Bad validation & not licensed?? What to do next?
Date: Sat, 07/25/2009 - 07:57
So my question is: Technically I could just send another demand because of the b.s. validation they sent, but they are also not even licensed here. And didn't they break the act by continuing to call after they new a letter was coming? What should I do next?
Thanks for your time
If the collection agency is not licensed in the state of Arizona
If the collection agency is not licensed in the state of Arizona they are not authorized to collect the debt. If you are sure that they are not licensed, you may send them a Cease and desist letter which will stop them from harassing you. If you want, you may also file a complaint with the FTC online and the State AGs office.
The FTC and AG complaints should come first. There is always
The FTC and AG complaints should come first.
There is always the possiblity that they will send the debt to another collector/law firm that is licensed. So keep on top of it.
Unfortunately, the FDCPA is extremely vague when it comes to Deb
Unfortunately, the FDCPA is extremely vague when it comes to Debt Validation. If you are sure it is not your debt, you can wait for them to take you to court - where you can file a Motion for Discovery, which is *far* more comprehensive than a simple DV.
