Need help with Central Credit Services collection

From what I see, this is a very bad company.

When was the last time you made a payment to the original creditor and what state do you live in?

Have you been contacted by mail by Central Credit Services collection?

You say you are a disabled veteran, are you on SSI or similar income? Do you own any assets such as a car or home and what are the values?

Reason I ask is that if you are on social security, a debt collector or creditor cannot take your money and they cannot force you to make a payment. If they sue you, the same goes for that too, all you do is tell them NO. That type of income is exempt from garnishment unless you owe taxes, child support and student loans. If you have no assets too, then you are "execution proof" which means while a judgment can be granted, nothing can be taken from you and you can't be forced into paying.

previous reply was me. didn't log in. sorry

i don't have the original letter they sent. it has been over 30 days. i am only 33. Not sure about my ability to return to work in the future for medical reasons. i made a payment to GE Money bank who works with paypal in Sept 08. i am willing to deal with GE Money to make some payments but I just can't deal with Central Credit Services. They really stress me out. What is my best move please. Thank You very much for your help.

and what could they do?

thank you for your help.
would you have a link or an example of a cease and desist letter that i should send them. i'm not very good at these things. i really appreciate all your help. this has been weighing on me.

It is never too late to DV. Just because you do not dispute w/in the 30 days does not mean you acknowledge the debt.

FDCPA Sec 809(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.



For $5000 a C&D will do nothing but get you sued. Since the DV is untimely, they do not have to cease collection efforts but if they try to sue you down the line and they never validated, it will help bolster your defense. What state do you live in?

i live in Connecticut.

I would check and see if CCS is licensed to collect in CT:

http://www.ct.gov/dob/cwp/view.asp?a=2233&q=297872&dobNAV_GID=1663

SOL would be 6 years so you are ripe for suit

Your disability income would be exempt from garnishment if you were sued and a default judgement was awarded. However, since you are relatively young, there might come a time where you're back to 100% and able to work with no restriction. Judgements in CT are good for up to 20 years reneewable up to 25

they are licensed in CT. Now I'm worried again. I can't pay what they are asking and I can't deal with these people. They are rude, inconsiderate and just plain stress me the hell out. I don't know what to do next.

Send the a DV. At the bottom in big, bold letters type:

[color=Red][center:e1b6019836]ALL CALLS TO MY HOME AND CELL PHONES ARE RECORDED[/center:e1b6019836][/color]

If you don't have a recorder, get one and tape every phone conversation you have with them. Play the least sophisticated consumer game. Read the FDCPA to see what they can and cannot do. Give them enough rope and they may hand themselves.

well im screwed. im not good at these things. i cant mentally deal with these people on the phone anymore.

format this debt validation letter to your needs and send it certified mail return receipt requested. Do not sign your name on it, only type your name and if you wish, initial it.

Help if I put the template,lol...

Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

It would be advisable that you assure that your records are in order before I am forced to take legal action.



Best Regards,

i'll get that out in the mail. thank you

You read my previous post on how to send it and everything, right?

good luck.

previous post was me again

thanks again will let you know any further haps

Hi ol249guy,

I can relate to that, totally. To this day, I still refuse to answer the phone unless I know the number. Maybe you can get a fax machine or an on-line fax server service and do your negotiations that way.

Good luck,

chrys