CA increased what I owed
Date: Sat, 01/29/2011 - 11:52
Hi,
I know I owe a cell provider money - I dropped the service, owe the last month + the ETF. Within six weeks, I was sent to collections. My first written (won't take calls) communication from the CA indicates an amount increased by $99.90 over my last statement from the cell provider. Do I write to the CA and ask them to verify or do I mention the fact I know I only owe the X - $99.90? I am well aware I owe it and have no problems paying what I owe but will not pay a higher amount almost equivalent to 25% of the balance. I'd like to know what protocol I should follow with this.
I know I owe a cell provider money - I dropped the service, owe the last month + the ETF. Within six weeks, I was sent to collections. My first written (won't take calls) communication from the CA indicates an amount increased by $99.90 over my last statement from the cell provider. Do I write to the CA and ask them to verify or do I mention the fact I know I only owe the X - $99.90? I am well aware I owe it and have no problems paying what I owe but will not pay a higher amount almost equivalent to 25% of the balance. I'd like to know what protocol I should follow with this.
Send a DV letter immediately to make them prove the balance!!
Send a DV letter immediately to make them prove the balance!!
Under Section 808 Unfair Practices of the Fair Debt Collection P
Under Section 808 Unfair Practices of the Fair Debt Collection Practices Act under the Consumer Credit Protection Act, federal law prohibits a debt collector from collecting any amount (including any interest, fees, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
If a debt collection agency owns your account, and you did not expressly enter an agreement to pay interest and fees to that collection agency, than they cannot charge you anymore than what the already existing balance is.
