According to the FDCPA: "Notify the consumer of their right to dispute the debt, in part or in full, with the debt collector. This so-called 30-day "§1692g" validation notice is required to be sent by debt collectors within five days of the initial communication with the consumer" They are required to send me this in writing correct? Phone calls with no such document = violation correct?

Dose anyone know if these two are connected ? they have the same address but different phone and fax numbers. Cash Supply 314 North Riverside Drive Espanola, NM 87532 Phone: 1-800-416-5402 Fax:1-800-416-5405 Email: [email]info@cashsupply.com[/email] NetCash USA Zipcashâˆ'SFT, LLC 314 North Riverside Drive Espanola, NM 87532 Phone: 1-866-348-6200 Fax: 1-866-304-9200 Email: [email]info@netcashusa.com[/email]

Hi All.. Been a long time since I wrote last. I have a doozy here that I haven't seen yet. Joseph, Steven & Associates just sent me a letter that said I owe their client XX amount and that they are informing me that I now have to claim this on my past taxes since I never paid it back thus making it income. They are instructing their client to immediately report this obligation to the IRS! Unless I immediately repay this amount I must be prepared to claim this. If this wasn't such a pathetic attempt to get someone to pay, I wouldn't be laughing. Does anyone have a good response for this?

Hello, Does anyone have any advice for me? There is a collection agency called "AIS SERVICES LLC" and they continue to post the same negative information every couple of weeks to my credit report which continues to drop my score. Is there anything I can do to get them to only post once? Take a look at what they did and continue to do: Major Derogatory 09/15/2007 Major Derogatory 09/23/2007 Major Derogatory 09/26/2007 Major Derogatory 09/26/2007 Major Derogatory 09/29/2007 Major Derogatory 10/04/2007 Major Derogatory 10/07/2007 Please help... Thanks!

:?: Hi All, I have two payday loans that I never heard back from? NetCash USA and Quickdraw Cash and I have emailed and sent letters over and over since July. Would you suggest I just go ahead and let it go or continue to pursue. NetCash I overpaid by at least 800 dollars? Thanks All

I recently made a settlement agreement with a collection agency. The debt was for 8500, they agreed to take 7500 and submit me as being paid in full with zero balance. Problem is that the settlement price wasn't listed correctly in my debt consolidation loan/mortgage refi and the check was cut for the full amount. I contacted the agency (Arrow Financial) and explained the situation prior to sending the check. My only real option was for them to send me a refund for the balance (we had already closed on the loan). The rep.

I seem to remember reading that you have to make a payment to re-start the statute of limitations clock in Texas. A written acknowledgement is not enough by itself. Anyone know for sure? Thanks.

I paid $360.00 towards my $300.00 loan to USFASTCASH so I sent a revoke letter. Now they are sending my account to collections. What are my options living in PA??

I have been corresponding with them (freedomdebtrelief.com) and talking with a guy of Freedom Debt Relief by phone and have not yet entered into any agreement but today I decided to do some homework and found that their CA Corp. status is "suspended" and that is a HUGE red flag for me. I'm still waiting for more info on that but I also checked the BBB and there have been 67 complaints so far against Freedom Debt Relief scam that I can find...and that's through a regional BBB site. Who knows if there are more reviews elsewhere.

Is there any way possible that my loans can be paid off. I am really having a hard time paying them because they take money from account 6 times a weeks, which in return ends up in return fees. I closed my bank account and opened another one and one company started debting that account. most of these companies I never applied for and they just dumped the money in my account. And when I tried to track them down,I got the run around. Please can someone help,I dont want to go to jail. What can I do?