FDCPA violation?, §809
Date: Sun, 01/15/2012 - 15:33
I have proof that a CA violated the FDCPA by continuing to send me letters, after I had requested the name and address of the original creditor. (yes I have the certified receipt, and no they never sent me the name /address).
I know that I could sue them and/or report them to the FTC, and I would probably at most receive the $1000 the judge may decide for me (as provided by the FDCPA).
However, do I now have any bargaining chips with the CA now, whereby in agreement for not reporting them to the FTC and/or suing, I could get a substantial discount on the settlement? (The debt is over 18k and well within SOL).
I know that I could sue them and/or report them to the FTC, and I would probably at most receive the $1000 the judge may decide for me (as provided by the FDCPA).
However, do I now have any bargaining chips with the CA now, whereby in agreement for not reporting them to the FTC and/or suing, I could get a substantial discount on the settlement? (The debt is over 18k and well within SOL).
Every letter would have included the name of your creditor. So
Every letter would have included the name of your creditor. So they just did not send you the address?
That is correct. (also, this is not the original creditor they
That is correct.
(also, this is not the original creditor they are representing, but yes they did include the name of the OC). This was a charged off account from BoA that was sold to Cach, LLC.