Cap One Account turned over to Johnson Riddle & Mark LLC

I never had to disputed my debt, it was to the penny when citibank charge it off. Plus they had my name my ssn and address, you can read my post. I settle with the first phone call today at 20%! DONE! I feel free at last!

Fabulous!! Tell me how late where you, when was it charged off? Did you go through a period between Cap One and the law firm where there was no contact? I'm in limbo on a Cap One card.

I was about 3 months late when I began getting the phone calls. After the last one (which was quite rude) I told them to cease calling me...they did but turned it over to a collection agency. The collector was a nightmare and very harassing...I insisted that he refrain from speaking to me in the "tone" he was using and he kept calling back, so I insisted that he also cease all verbal communication with me. He did. That was last August. So it was 8 months from then to this first letter from the law office.

It has been 3 years since I last used the card for medical and moving expenses. I cut up the card and sent it back to them in June of 2007 after they increased my interest rate by an additional 10% after paying a couple of hours (yes hours) late.

When you cut off communication their only recourse is to sued.
You will get a second chance with the attorney now.
Just left a thread about my dealing with a debt collector.
I swear most are right out of asylum :)

finance.idaho.gov/ConsumerFinance/Actions/.../Cambridge_CO.pdf
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johnson mark, LLC AKA johnson, riddle & mark, LLC
are debt collectors that in my epereince, seem to completely ignore FDCPA
and hope that they will get a default judgement on you-as a no show.
They are doing this in Idaho under a BradleyJ.Knell, who has already completely ignored my valdiation letter, which he cannot do. I am going to Attorney General, as they have already been warned in the above document to obey all laws