Davis Law Firm (Oregon) - threatening to sue me

they are wrong.if you dispute the debt,which i hope you'll do.they cannot do anything until they validate the debt.send DV and limited C&D letters to this law firm.send them certified mail return receipt.when i say anything,that includes filing lawsuits.let me check on this law firm.

what ph#if any appears on the letter?

Hi. Thanks for the quick reply!

Here's their info:

Davis Law Firm
12220 SW First Street
Beaverton, Oregon 97006
503-644-9000
[email]tom@davislawfirm.net[/email]

I should also note that they did not include an account number. Is that fishy?

Thanks.

yes that is fishy.get those letters out asap.it appears like a real law office,but i have my doubts.this is kind of stupid to ask now,but are you in oregon?

I am in Oregon. Beaverton is just down the road from me.

What should I say in the letter? This is new territory for me.

just tell them that you are disputing the amount of the debt,and how they came up that total.also something with your signature from the original creditor should be requested as well.

I pulled my credit report and I have a charge-off from B of A in the amount of $948. No where near the $6200 this lawyer's asking for. What the h**l?

Format this letter to your needs. Send it certified mail return receipt requested. DO NOT sign your name on it, just initial it or type it when you print it up.


Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

It would be advisable that you assure that your records are in order before I am forced to take legal action.



Best Regards,

When was the last time you paid on this account? SOL in OR is 6 years from date of last payment.

NASCAR Devil, according to my credit reports, the last time I made a payment to this account was in 2005. So it's still under the SOL, I'm assuming.

I sent the "lawyers" a letter on Friday asking for verification of the debt. We'll see if I hear back from them.

Immediately contact the Attorneys General Office about this firm. There are numerous complaints against this firm including extortion, harrasement, threating bodily harm, even trying to collect from a dead person.[justify][/justify]

Stop Criminals,

What exactly have you heard about this law office? I'd never even heard of it until I got the letter.

STATE OF OREGON DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES ENFORCEMENT SECTION BEFORE THE DIRECTOR OF THE DEPARTMENT OF CONSUMER AND BUSINESS SERVICE FINAL ORDER TO CEASE AND DESISTcorporate Respondent C. Thomas Davis In the Matter of: WEST BANK ENTERPRISES, INC., an Oregon corporation. that "t is unlawful for any person to engage in or transact a banking or trust business within this state except by means of an entity duly organized for the purpose." ie: Running a fake bank. Oregon Bar also has received numerous complaints.