No response to DV letter by UCB collection . . . . what now??

Wait them out. They will likely sell you to another collector because you are high maintenence. They want fast commissions with little work.

As long as they have ceased collection efforts then I wouldn't worry about them right now. If they do send it back to the OC and to another CA, Rinse and Repeat.

ok ..i waited it out until recently..then the phone calls came again from some lady whom i couldn't understand..so i calls them back just today..oh no my account is going to legal for garnishment..of course there has not been any summons yet..but the rep told me they sent employment verification to my employer..should i send another dv letter?????

Sure. Tell your work about it too. Let them know that this company is trying to rip you off and you are working on it.

I have a medical debt for $375 they are collecting on. Sent 2 DV letters and got back a print out like a ledger. They also placed a derogatory mark on my CR.

I called today to make payment arrangements of $10.00 a month because it is my debt and I did make some payment to the OC, but I absolutely abhor paying a CA. They told me the debt was priority status and they would only break it up into 2 payments. It was some person I could hardly understand. He asked why I couldn't send more and I told him I was not working. He then asked the name of my husband (I'm divorced) and where I was getting my money (from my dad), which I told him were none of his business. He also acted like he didn't like the fact I was sending a money order, I guess because they wouldn't be able to raid my checking account which I understand they're famous for.

Anyway kind of wish I hadn't have called them, but plan to send a letter stating the payment arrangement in writing and a statement that if they cash the money order it will be considered acceptance of the payment arrangement. Would this stand up in court if they decide to sue me? Thanks.

Hi, I was just curious if you know the name of the person who signed for your validation request at UCB? Thanks.

I filed a complaint against them to the BBB, a week later I recieved a letter stating they were removing any association from all of my CB's

i dont know what states you people are in, but regarding the person who's account is going to garneshment, this means there is a judgement and the CA is not required to send you DV.

They said that they were being *threatened* with garnishment, DV still valid. No court yet. You can request an employer to voluntarily attach wages, most employers won't but many will.

They did the same stuff to me.....The collection agency is most proabably some little call center with about 100 uneducated idiots reading script and a daily employment turnover. Its a typical scenario. Those who work at such an agency have signed a contract to comply with FDCPA and company policies, but nobody reads the agreement. Rather the employees are promised that they will know everything they need to know in the 2-day trianing seminar that is restricted to discussion of the comission structure. Poof!, that big handbook nobody wants to read is gone, and the employee forgets he or she signed that promise to read it. This eventually justifies termination when polices are violated but nobody knows why someone disappears in the center. The room still violates harssment laws, and if everyone else does it, it still must be OK. Each time a legal problem comes up, the company points to the contract, terminates, an replaces with a new employee who is just as dumb. The compnay practices CYA and says, "Sorry! We didnt mean that, we fired the person that violated our policy" and off the cycle goes again. This scenario is typical of call centers that can afford the daily turnover and collections is one of 'em.

Review the Fair Debt Collections Practices Act and file a complaint with the FTC. Keep the case number. Be restrictive limiting discussion to violations (not your financial hardship) and build record of the violations. Violations include refusal to identify, verbal escallation, undefined threats of action, disconnects, yelling/harssment, plenty more. Lots of info defined in FDCPA. Generate a written Cease Order of Contact verfiied by a Notary Public, and have the notary public send it via certified mail. If you dont have the address call them. If they refuse, tell them that they are required by federal law to fully identify themselves by providing means of verbal and written contact. If they refuse, repeat it. The repetition gains control and the idiot goes "OK OK OK," doesn't know what to do, and either spills the beans or escallates the call. If you get someone else, ask for their name, advise you have not been given this information and ask again. If they refuse, repeat it. Document who you talked to. Share the package number of the cease order in your complaint with the FTC. If they call your employer, ask your boss to write you a letter to send them a message to stop contact on company letterhead. This documents that you have been harmed. Confim in writing to your boss that the actions have been taken, document the FTC case number and the certified mail number. Send the information to the FTC. Build record only of their violations, dont discuss the debt scenario.

If they dont tell you the purpose of the call, or the specific action that will be taken if you cannot make arrangement, the action violates harssment policy. "We will take action against you" in an aggressive threat can be interpreted other than collections action. If you wish file a police report, do it. Unless they use a phyiscal word of threat its a 50/50 on the report; some police officers will be annoyed, but dont document anything that isnt true to get a report. It is illegal for this company to state falsely that legal action will be taken against you if they arent planning to do so. If they say they are planning legal action, ask for the case number and date. If they give you a number, document this number with the FTC.

You can play games forever, but its just some idiot with his first job who didnt know he had to read the policy and does his own thing. Protect yourself, then pity the idiot who is made drone to violate federal law.....sigh...