Imperial Collection Services has contaced me RE debt with Bank of America (credit card) for $7476.77. I disputed the debt within the 30 days allowed by certified mail with return signature. In the letter, I specifically stated that they cannot add interest or fees to the amount of the debt. Today, I received a letter from them stating that I have failed to respond to their previous notice and the balance is now $7,621.42. HELP. How should I proceed next? Should I write them back and let them know that I disputed the debt within the 30 days? These people are really aggressive. Thank you for any help. I reside in CA.
Send the letter through certified mail with return receipt requested. Once you have requested the info, you can refuse to pay the debt before it is validated. Have copies documented in a file because if the matter seeks investigation, you will have your proof of records in arranging the payments with them.
You must also check the SOL period in your state. If the account has taken place long time back and you have not made any payment activity within the recent times, there are fair chances of this account being out of the SOL period. Be informed before taking any step. If you wish, you can discuss with us or with your attorney.
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Sub: #1 posted on Wed, 05/03/2006 - 16:13
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Sub: #2 posted on Wed, 05/03/2006 - 16:28
I am assuming that you sent the debt validation request through certified mail with return receipt requested. You must be having the green copy signed by them. This proves that your request has not been honored by them though that should have been done.
Send a copy to the credit bureau and request them to investigate on the account. Mention that you wish to see the results of investigations done by them. Hopefully, you will get some positive results this time.
Contact Bank of America and know the company they have hired for collections. Also requested for an updated account statement so that you can work out arrangements with them.
Sub: #3 posted on Wed, 05/03/2006 - 17:23
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Sub: #4 posted on Wed, 05/03/2006 - 20:51
Sub: #5 posted on Sun, 01/16/2011 - 15:37