apelles

Date: Mon, 03/23/2009 - 14:05

Submitted by mandymyr
on Mon, 03/23/2009 - 14:05

Posts: 31 Credits: [Donate]

Total Replies: 3

has anyone ever heard of this company? i liv in oh, the return adress on the envelope says texas but the address on the letter says westerville oh. they are the collector on an account i had with us bank. the account was closed with an overdrawn balance of $1900 due to hundreds of dollars in fees charged to the accoount when i got in a lot of trouble with payday loans.

Does this letter state: "This is an attempt to collect a debt

Does this letter state:

"This is an attempt to collect a debt, you have 30 days to dispute it", or something of that nature.

It should, because by law collection agency's are required to give you 30 days to dispute the debt. In which time you should send them a validation letter, and make them validate the debt. They need to prove to you they either have the legal right to collect it, or they own the debt.

lrhall41

Submitted by Shazzers on Mon, 03/23/2009 - 18:06

( Posts: 17344 | Credits: )

i did send a letter and they havent sent anything back

lrhall41

Submitted by on Tue, 03/24/2009 - 13:13

( Posts: | Credits: )

If you sent the letter certified return receipt requested, did y

If you sent the letter certified return receipt requested, did you receive a little green card saying they received it? If so, then all collection efforts must cease until they validate the debt, otherwise they are in violation of the FDCPA.

lrhall41

Submitted by Shazzers on Tue, 03/24/2009 - 16:41

( Posts: 17344 | Credits: )