Capitol Collections

brendacovey

Stand strong dealing with this CA. It is not normal sending you the collection notice through fax that can be viewed by all. Under the laws, the account must also be validated in writing to make sure that they are authorized for the collections. Don't end up paying to the wrong company. Send a debt validation letter if you haven't received anything in the mail. Read the fdcpa and arm yourself legally when contacted by the CA.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

Thanks for the response Passion. I am most concerned about the warrant part of the fax. If they inteneded to scare me, it worked.

I think you should check out "Section 807(4)--False or misleading representations [15 USC 1692e]" of the fdcpa and find a lawyer who can sue them for violation.

Good point Codie,

brendacovey, see the FTC link below.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#807

The collection agencies are bound to follow the fdcpa. Threatening legal actions is one of the violations in the federal law. Start recording the phone calls if your state laws allow doing it secretly. You will gather legal proof and take actions against them. The CA is trying to intimidate you. You need to strike them back strongly.

I haven't heard anything from them since I received the fax. I don't know if I should write them a third letter or let the matter drop. I really would like to repay this. Any suggestions?

collection agencies rarely drop the matter. They will make their disturbing calls and try to offend people. It will be best for you to cover your entire basis legally. Once you have sent the debt validation requesting for the account details, there is nothing much they can do against you. If the matter is taken to the court also, they will have to prove with the necessary information first and the judge makes decision in your favor. Keep a check in your credit report also if they are hitting anything inaccurately.