Collection Agency

You need to get the name of the company and their address! They are required by law to send you a statement in writing within five days of first contact! If they do not provide this information they are in violation of the Fair Debt Collection Practices Act! Send them a certified letter stating that they are not permitted to communicate with you by any means other than the United States Postal Service! Send them another letter requiriring them to provide the following information! The name of the original creditor, the amount of the debt! Proof that you owe the debt and how they arrived at the amount that you owe! Also make them prove that the debt is not beyond the statute of limitations! This is a lot of work and may deter them! They also are not permitted by law to collect on the debt until it is validated! If they continue to harrass you get an attorney! It will not cost you and they will go away real fast!

geez, where to start here. first of all, where did this person call from? second of all, what were they calling you in regards to? what account? are you aware of the account? was he calling from a law firm, and if so, is there outstanding litigation/judgment against you? if there is a judgment you now need to worry about the firm knowing where you work and bank. you need to do damage control. re-assess your situation, let us know the answer to the above questions for more help.

A third party collector is still a third party collector even if they are a law firm! They are still bound by the FDCPA and state laws! Here is an article I wrote that may help you! http://tinyurl.com/debtcall

oh im by no ways suggesting that they are not. im just saying that if there is outstanding litigation or a judgment that the OP is unaware of, that opens a whole new can of worms that very much so needs to be addressed.

Was the $50.00 that you paid him on your bank debit card? If so, you might have to close that account and open a new one.

My husband and I are fairly intelligent people but have been scammed a few times lately. Our adult son became a victim and we, as loving parents, attempted to help him. He was told he had to pay $4000 by the end of the month (back in Oct., 2008) or he would be taken to court. Mr. Brown, of CRS, said he represented AAA and was collecting on a claim against our son from 2006. He played nice and let us give him $750 until we could find the rest of the money (if we could come up with half the amt. due by the end of the month then it would be considered paid in full.) We couldn't get the money by the end of the month but he accepted another $250 from us in Nov., 2008 and another $250 in Feb., 2009 and our son came up with $250 in March, 2009 (what happened to going to court if we didn't pay by the end of Oct., 2008?) They have been calling our home up to 5 times a day and I am bedridden and our son works and goes to school out of town and gets home late so he does not return their calls. I finally had enough with the rudeness yesterday, July 20, 2009. I told our son and he looked up CRS and it is a scam. I contacted AAA and they new nothing of the claim and said they do not deal with CRS or any other outside collectors. So, please, listen to the advice of the others ahead of me and hopefully you don't owe the money. Don't pay another penny until you know for certain that you truly owe this debt and, in this economy, take care of a roof over your head, food in your stomach, and take care of your health. The rest can wait - if you do owe the money, just do the best you can and don't worry about this. I don't respond kindly to rude debt collectors but, if they are courteous, I am more likely to want to pay them quickly, like we did with this Mr. Brown. Good luck and, as others asked, keep us posted on what happens.