Check N Go/1st Credit of America
Date: Wed, 03/01/2006 - 13:16
EMAIL READS:
Quote:
Re: Past Due Balance Creditor: CHECK AND GO 1ST 15 DAYS Creditor Account: 421248 Received Date: 03/30/2005 Reference ID: 349251 Original Balance: $645.00 Collection Fee: $161.25 Current Balance: $806.25 Dear Harris, Shelly Your account has been assigned to this agency for collection. Please mail your remitance to our office so this claim may be cleared and released for you. Protect your credit by making payment in full. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. You can log in and pay on line 24/7 on your own account by clicking on: cs.1stcofa.com/payment/index.asp?caseid=349251jyajlchrcs Your unique Case ID Number is: 349251jyajlchrcs This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. |
Link made inactive as per forum rules-Vikas
I dealt with Check and Go and they used a different agency but a
I dealt with Check and Go and they used a different agency but as I recall they were a little heavy handed. first of all, does your state license payday lenders? if so what does it say about fees? also, you are entitled to a detailed explanation of the fees charged over and above your principal balance. Also does your state license collection agencies? if so does the cA have a license to collect in your state?
I apologize if I have overwhelmed you with Questions, let me know what state your in and I will try and look up some of the info for you.
I also had one from Check and Go. When I called them and told th
I also had one from Check and Go. When I called them and told them my situation and that I would be willing to set up payments they were okay with that. For me they were easy to deal with.
You'll want to send them a debt validation letter, you can find
You'll want to send them a debt validation letter, you can find a copy in the forum. Send it certified mail with return receipt requested. They must prove the validity of the debt and explain the fees to you, how they calculated interest and such. Is this a store front lender?
Make First Credit of America validate the debt. They are Junk d
Make First Credit of America validate the debt. They are Junk debt buyers that break the laws. They are in some legal trouble with the state of Illinois for their illegal tactics. Don't pay them a dime til they validate.
JJ, I am in Texas. I have dealt with First Credit of America
JJ,
I am in Texas. I have dealt with First Credit of America and they are just mean!!!!!
Here is a thread that speaks so much about First Credit of Ameri
Here is a thread that speaks so much about First Credit of America. You can check it-
http://www.debtconsolidationcare.com/forums/info-firstcredit.html
It sounds like it, but as I understand texas law and I don't ver
It sounds like it, but as I understand texas law and I don't very well, they can't garnish, so there is no point in sueing, so they will likelt just try and slam your credit... So make sure u send them the letter disputing the amount owed and requesting that they detail completely all the charges they say you own. If they report to your credit after they receive the dispute and before it is resolved, they will be violating the law, if you see such reporting send a letter to the cra explaingin the dispute. If and when you receive a response from the CA, determine what it is that you feel you legally owe and send them a letter outlining whatever payment plan you can afford. again if they hit your credit report and have not agreed to the plan, dispute it again with the CRA stating that you are disputing the amount owed and they are not cooperating. Hope this helps
Don't even pay them jack, they're a bunch of charlatans! With a
Don't even pay them jack, they're a bunch of charlatans! With a payday loan, you can go straight to the lender and repay them directly. Forget 1st C of A! Just ignore them!
