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Help with CA??

Date: Tue, 04/12/2011 - 19:14

Submitted by littleshan
on Tue, 04/12/2011 - 19:14

Posts: 10 Credits: [Donate]

Total Replies: 3


I just received a call from Mr. Gray from Merchants Credit in WA state. He started off pretty nice and told me he had debts totalling over $1,000 from 2 different companies. One was a medical bill from 2007 and the other was from 2009. I asked him to send me a letter outlining the charges and I would look into it. He then got VERY rude and told me the only way to resolve the matter was to make payment today. I again asked for a letter to which he stated "it is far past the time for letters, we have sent you several from 2007 to 2010". I again stated that I believed it was my right to receive a letter in 2011 to which he responded that he would mark my account as "refusal" to pay and collection efforts would be escalated. I again asked for a letter and said that, since the conversation was recorded, I was not refusing to pay at this time I was asking for something in writing.
Any advice from someone with more expetise in this area as how to proceed?
Thanks so much!


Don't get scared by their threatening. You have done the right thing by asking them to validate the debts in writing. You can send a written notice to the collection agency and request them to send a debt validation letter. If they don't validate the debts in writing, then you can send them a Cease and Desist letter.


lrhall41

Submitted by Good Nelly on Tue, 04/12/2011 - 21:38

( Posts: 2846 | Credits: )


I just got a letter from Merchants Credit Association that reads:
48 Hour Notice
You are indebted to the below creditors in the amount shown below. Although we have demanded payment in full, it has not been received. Unless you remit or appear at this office within 48 hours, on the advice of our attorney, suit may be brought for the total amount with interest,together with the costs and disbursements of the action. Check or money order should be sent at once.
It then says the usual "this is an attempt to collect a debt..." and lists the 2 creditors, the principal owed, accrued interest and total balance.
Wondering how I should proceed from here???


lrhall41

Submitted by littleshan on Tue, 04/26/2011 - 11:53

( Posts: 10 | Credits: )


yes send a DV(debt validation)letter certified mail return receipt.make them at this point prove two things.

1)you truly do owe these
2)they are entitled to collect on these.

just by your first post i can sense this is another bottomfeeder that likes to try and bully money out of people.send the letter asap.


lrhall41

Submitted by paulmergel on Tue, 04/26/2011 - 12:09

( Posts: 15514 | Credits: )