Law Offices of Mitchell Kay,PC
Date: Tue, 01/01/2008 - 15:16
I have a disputed amount with T Mobile, now 4 years old. I discontinued them 4 years ago for non-performance in our area.T Mobile showed little interest to come to a settlement. Since then, I have been contacted by several CAs.
Now,I received the standard debt collector letter from
Mitchell. I ahve read very bad reports about this firm. They offered me a settlement of 40% on the original debt which I have contested with T Mobile. Within the 30days stipulated, I replied to Mitchell(CRR)that I am desirous of accepting the settlement but that I needed proof of their authority for offering a settlement. Since then, they have been hammering my telephone.I have avoided direct interaction with them so far. My question;
1. Did I goof up when I expressed my willingness to accept the offer subject to my conditions of proof.
2. Do I still have my rights for validation. I did not request this when I replied Mitchell their first letter
3. I am planning in sending Mitchell a stiff letter now indicating;
- that all telephone calls should stop immediately
- and to provide me proof of their bona-fides in this matter.
- Also whether settlement with Mitchell will clear my debt oligation with the original creditor as a settlement in full.
- a copy of the original contract, where it says that any dispute should go to mandatory arbitration adn not debt collection.
- Is this proposed line of action the best thing to do. I would like to settle this debt at this level of negotiated settlement.
Any advice from the community is greatly appreciated.
Now,I received the standard debt collector letter from
Mitchell. I ahve read very bad reports about this firm. They offered me a settlement of 40% on the original debt which I have contested with T Mobile. Within the 30days stipulated, I replied to Mitchell(CRR)that I am desirous of accepting the settlement but that I needed proof of their authority for offering a settlement. Since then, they have been hammering my telephone.I have avoided direct interaction with them so far. My question;
1. Did I goof up when I expressed my willingness to accept the offer subject to my conditions of proof.
2. Do I still have my rights for validation. I did not request this when I replied Mitchell their first letter
3. I am planning in sending Mitchell a stiff letter now indicating;
- that all telephone calls should stop immediately
- and to provide me proof of their bona-fides in this matter.
- Also whether settlement with Mitchell will clear my debt oligation with the original creditor as a settlement in full.
- a copy of the original contract, where it says that any dispute should go to mandatory arbitration adn not debt collection.
- Is this proposed line of action the best thing to do. I would like to settle this debt at this level of negotiated settlement.
Any advice from the community is greatly appreciated.
You always have the right to request validation. I do agree with
You always have the right to request validation. I do agree with your proposed action in sending the cease communication letter to restrict them to in writing only. Also make them prove they have a business license in your state. Call your state tax department to see if they are registered, also see if collection agencies are required to pay a surety bond in your state and see if they have it. Lastly this place sounds like a law office too. Check your state Bar Association if they are, make sure they have any licensed attorneys.
my husband received a call from them, but now that i am reading
my husband received a call from them, but now that i am reading all of this there is no way of calling them back thats for sure.