Gamache and Meyers P.C. representing LVNV, LLC
Date: Thu, 11/04/2010 - 10:28
About a month ago my wife received a letter from Gamache and Meyer informing her that they were attempting to collect a debt owed to LVNV. She sent a DV letter CMMRR. In the letter she also asked that all communications be done by USPS. Today there is a missed call on our phone from them with no message.
The letter was sent 10/16/10 and received 10/19/10 by Gamache and Meyers.
In the dunning letter there was no account number associated with the amount allegedly owed to LVNV. She has not received any response in writing yet to the DV. We can't identify the account from her credit report by the amount nothing matches. It may be a credit card debt that has passed the SOL for when it was opened (VA) and the state we live in now (FL).
With what I have read about both companies, they play fast and loose (to be polite) with the FDCPA and FCRA. We don't believe they will be able to properly verify the debt.
Should we call or ignore since we asked for all communications to be by USPS? Send another DV letter?
The letter was sent 10/16/10 and received 10/19/10 by Gamache and Meyers.
In the dunning letter there was no account number associated with the amount allegedly owed to LVNV. She has not received any response in writing yet to the DV. We can't identify the account from her credit report by the amount nothing matches. It may be a credit card debt that has passed the SOL for when it was opened (VA) and the state we live in now (FL).
With what I have read about both companies, they play fast and loose (to be polite) with the FDCPA and FCRA. We don't believe they will be able to properly verify the debt.
Should we call or ignore since we asked for all communications to be by USPS? Send another DV letter?
Don't call them. That will give them the license to start callin
Don't call them. That will give them the license to start calling you again. The debt collectors don't have a fixed time period to validate the debt.
If they do not reply at all with valid proof, you can send them a Debt Validation Follow-up Letter. The following is an example of it: http://www.debtconsolidationcare.com/letters/sample7.html
Thanks for the reply. Understand that there is no time perio
Thanks for the reply.
Understand that there is no time period for the CA to reply to DV. Our concern is being dragged into the fisacos I have read about here and at other forums. Thanks for the advice, it confirms what we are thinking. Appreciate the link.
