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Frontier Financial Group e-mail

Date: Mon, 02/07/2011 - 19:20

Submitted by Kenneth Barhight
on Mon, 02/07/2011 - 19:20

Posts: 55 Credits: [Donate]

Total Replies: 10


This is an e-mail I received tonight from FFG and Associates. I took out my personal info. I haven't received any dunning letters from this company regarding any debts they are trying to collect on and I am a bit fuzzy on the FDCPA laws in regards to CAs. I understand they need to send a dunning letter within 5 days of initial contact. Does initial contact mean an e-mail or viocemail, or do I personally have to speak to them? And if they don't send a letter, what actions can I take against them besides filing with the FTC, BBB, and Pennsylvania's AG?



Frontier Financial Group
631 N. Stephanie St. #419 Henderson, NV 89014
1-888-527-2389
"www.payffg.com"

Tax Time Settlement Offer
$635.60

ID #: xxxxxxxx
Balance: $908.00
"www.payffg.com"
Original Account #: xxxxxxxxxxxx
Original Creditor: KNOX VENTURES LLC
Current Creditor: SKUTR FINANCIAL







Dear KENNETH,
Frontier Financial Group would like to extend a special tax time settlement offer that equates to 70% of your remaining balance. This offer to resolve your account for less than the amount owed expires 30 days from the date of this letter. Please contact our office at 1-888-527-2389. Phone payments may incur an $8.95 processing fee. You can also make payment online at
"www.payffg.com" You will need your ID number above to pay online.
Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt to be valid. If you notify this office in writing within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.
This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.


Frontier Financial Group


Kenneth, What is the letter you posted? It looks like a dunning letter. Filing at this point with the FTC would be a waste of time. That is a borderline infraction at best and the FTC can't even handle multiple blatant violations.

Tammy, yes they do think you are that stupid. Thank goodness you are not. Believe it or not many are or they would not try that!


lrhall41

Submitted by Frogpatch on Mon, 02/21/2011 - 19:34

( Posts: 5381 | Credits: )


how about getting back to the phones loser as that is what you are.btw i have been on here long enough to know when a humanoid posts on a thread they have some connection to the bottomfeeder being discussed so if you want to come back and state you have no affiliation.as you stated save it,and again back to the phones drone.


lrhall41

Submitted by paulmergel on Wed, 04/27/2011 - 13:05

( Posts: 15514 | Credits: )


This is interesting...This 'scumbag' posted a reply to this thread a few hours after FFG tried to call me at work. This thread hasn't been written to since February.

Apparently a phone call came to my work place from FFG. A co-worker took the call and the person on the phone asked him if he was crazy when he wouldn't transfer them to HR. She said you can't do that. This is after a previous call when they were told they could not contact me at my place of work as it is not allowed.

Easy enough, if you want to contact me do it by any other means than my work number. I have told my co-workers any calls that aren't related to work are to be told to stop calling my work number. Actually, a letter in the mail would be preferred as I wont give any information over the phone.

So, scumbag, if you were the person trying to call me, I'd recommend you find someone who can spell and write me a letter. You should have my address.


lrhall41

Submitted by Kenneth Barhight on Thu, 04/28/2011 - 09:04

( Posts: 55 | Credits: )


Just my 2 cents. I think it's a personal choice if one wants to receive a dunning letter via email or snail mail. One collector I spoke with recently gave me the choice, and I OK'ed the email instead of snail mail. They sent me an email with a PDF of the letter, which I responded to with a email demading validation of the debt (the form posted here on these forums). Just awaiting their response now. So if you get one in email, but absolutly want snail mail, then request it that way, but if you are OK with email then that could serve as a dunning letter.


lrhall41

Submitted by on Thu, 04/28/2011 - 09:15

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Oh, and scumbag, debtors and still consumers and protected by the consumer credit laws of the each state. So, while yes people need to quit whining about debts, collectors and lenders need to stop violating consumers rights and actually abide by the laws. I know neither will happen though, so the cycle will continue.


lrhall41

Submitted by on Thu, 04/28/2011 - 09:18

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