Plaza Associates : Do they harass debtors?

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You all need to tell Soap lady she is giving out advice that is not correct BTW She is saying that the only way to deal with a collector is over the phone:)

so the best thing to do when you are dealing with a bill collector is to have them mail out a letter or some form to verify that you are the person and debt is yours.

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How long after the initial phone conversation do they have to send the letter? Is there a time frame for Plaza Associates to send it? He stated they had sent one 2 months ago and that is about the time I first started getting calls from the 866-729-7135 number but this was the first time I was able to answer it.

As per the FDCPA, a debt collector should send you the collection letter within 5 days of initial contact over the phone.

I just realized last night when I was taking a shower that I have already paid this charge-off to Leading Edge Solutions and they sent me a letter stating that the balance has been paid. I hope to get the letter soon from Plaza associates so I can send them a copy of the letter that shows the debt has already been paid.
Here is a copy of the letter:

This letter serves as confirmation that Leading Edge Recovery Solutions will accept
$2,252.80 as a full and final settlement on the above referenced account.
The terms of the agreement are as follows:
$450.56 due by 10/23/2009
$450.56 due by 11/23/2009
$450.56 due by 12/24/2009
$450.56 due by 1/25/2010
$450.56 due by 2/25/2010
Once the settlement amount has been received, and the funds have cleared for payment,
we will then notify our client that the account has been settled in full and that your credit
bureau should be updated accordingly. You will then be released of any further liability
to CAPITAL ONE BANK (USA), N.A. / CAPITAL ONE BANK (USA), N.A. and its
agents in reference to this account.
This agreement is in effect until the last payment date listed above and is void if the terms
of this agreement are not met.
Sincerely,
Collections Department
(888) 306-9058

Hi All,
As of today, I still have not received any letter from Plaza Associates but continue to receive a daily call from them. when I asked them again to send a letter, they replied that they had already sent a letter and will not send another one. I told them that I would like a chance to look at the supposed debt before I made any decisions. thye again asked if I was going to setup payment arragements now. I calmly explained that I have not received any notice from them regarding any debt, only a phone call and by law they are required to send out a letter within 5 days of contact. the lady stated that they had sent out a letter previous to a phone conversation and I had not responded. I told her that is because I never received a letter and would not agree or disagree to anything until I had received the required letter. As of today, I still have not received a letter from them but get the daily call. Should I talk to them and tell them I will not discuss this with them until they have sent me a letter and to cease all further communications until they send it or just not answer the calls as it appears they are not going to send a letter? According to what the lady at Plaza said, the account was opened in 2000 and the last payment was made in 2004. I have checked my credit report and don't see the account listed on any of them. should I just not worry about it or what would your next step be?
Thanks,

Send them a debt validation follow up letter. Here is the link: http://www.debtconsolidationcare.com/letters/sample7.html. If they do not reply to this mail as well, file a case against them with the FTC.

You might consider attaching a cease and desist statement in your DV letter telling plaza associates to not contact you by phone. Furthermore, if you think the collector is bogus or the debt is outside the SOL then send them a full cease and desist on all communications.

The problem is that I don't know what account number plaza associates are referring to. All she gave me was 5614 for an account number. Do I just include that in my DV letter along with the a full cease and desist ?

I wonder if this is the same company that harasses me. Someone calls and wants to know your birthdate, your address, and today's date. This is so weird for a collection company to call and ask for such information before they can discuss their issue with you. If you answer the question they want to record your conversation. They refuse to give you any information as why they are calling you until you tell them the above information. This company is truly creepy.

I just received a phone call from Plaza Associates asking for someone I've never heard of. She then stated my phone number and asked for my name and how long we have had this telephone number, which by the way is over six years. I told her I would not give her any information until she told me who she was and what company she represented. I could barely understand her name but when she said she was with Plaza Associates I asked what type of firm it was. Her answer was "a financial institution". I told her she needed to be more specific and she just repeated "a financial institution". I informed her I didn't have time for games and hung up on her. I then Googled Plaza Associates and found out they're a collection agency.

The debt collector was following the law, not playing games. They are not permitted by law to disclose that they are a collection agency. They simply got a wrong number....