How do you know if debit collecters are legit or not?
Date: Wed, 06/13/2012 - 12:38
Well, I think this a scam of the first order. There are never an
Well, I think this a scam of the first order. There are never any such one day offers. Moreover, process servers don't call in advance to tell you that you are going to be served. Now comes the real question: What exactly did you receive in the mail?
It said exactley this: my boyfriends name our address the acco
It said exactley this:
my boyfriends name
our address
the account #
file #
Date:June 8th, 2012
Balance:$1720.97
Re:My Cash Center
My Cash Center made several attempts to contact you to resolve your delinquent account. My Cash Center sold the debt identified above; all of your rights and obligations regarding this contract have been assigned to Ridgeview Mediation Group. We hold chain and title of this debt as of 05/30/2012. We are extending you the opportunity to pay a settlement option of $1720.97 in 1 payment. Your payment is due on 06/15/12. You most contact us back to secure arrangments verbally; a mailed in payment will not secure or lock you into settlement agreement. It is imperative that we speak with you and have all agreed arrangments secured by phone. This is a final attempt for voluntary arrangments and a last opportunity for you to take advantage of a settlement option. Please refer to the case file number indicated above. If you have any questions please contact us @ 1-855-231-8412.
If you do nothing, this office will refer this matter to an attorney in your area for legal consideration. If suit is filed and if judement is rendered against you, we will collect payment utilizing all methods legally available.
It is appropriate at this time to inform you that a lawsuit is a time consuming and expensive proceeding. You may be required to appear in court or have an attorney appear on your behalf.
A legal proceeding is a matter of public record. If a lawsuit is filed, a court in your local jurisdiction could enter a judement against you for the entire balance of your account. In addition, the court could add costs, interest and attorney fees where state law admits such remedy. If judgment is entered against you, it will appear on your credit report, and may affect to obtain credit.
THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.
sincerely ,
Leah Griffin
3380 Sheridan Dr #214 Amherst NY 14226
Thats the entire letter. Speak of the devil she just called and left a message on my home phone voicemail regarding this letter while I was typing it out. Heres what she left:
"Hi this is Leah I have actually spoken to you both last week about getting this my cash center loan taken care of, I have now done what you requested, I have sent out a letter stating our arrangment, the only thing is now the due date is for tomorrow, I need you to give me a call back, that is for the balance in full, I have corroperated doing the things that you guys have asked so now i ask you to give me a call so we can get this matter resolved for you."
I have no idea what to say to her further.
You need to read up on the FDCPA (Federal Debt Collection Protec
You need to read up on the FDCPA (Federal Debt Collection Protection Act, I believe is what it stands for). A LEGIT collector MUST send you a "dunning" letter within 5 days of first contact stating that they are attempting to collect a debt and that you have 30 days from the date of the letter to dispute the validity of the debt. That is the law. Any legit collector will follow this law. They know they can be sued if they do not. Good luck!
do this
first there is nothing legit about this piece of bottomfeeder garbage.second you and your boyfriend need to file both police reports,and AG complaints using any info you have.like the number and name.bottomline this ex-hooker broke the law hand over fist.no supposed mediation firm(especially in amherst ny a haven for bottomfeeder scum)will call not only the person,but other parties.report this b*tch and ignore this b*tch.she won't do squat.just another piece of ny scammer scum.