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freaky letter from collection agency

Date: Sat, 10/03/2009 - 13:27

Submitted by anonymous
on Sat, 10/03/2009 - 13:27

Posts: 202330 Credits: [Donate]

Total Replies: 3


Since january I have been fighting to remove an entry for about 114$ debt listed on my file by Enhanced Recovery in Florida. After six unreplied debt validation CMRR lettters to them,the credit bureaus tried to get in touch with them and failed so the entry was removed from both EX and EQ in July.
Yesterday I received a big yellow envelope with the address of the sender but not the name in the corner. Inside there were printouts of my bank acount with Bank of america for a few months and they showed that at some point I did owe them that amount. I never knew this and was abroad for 18 months,came back reactivated my Bank of America account and had no idea about this debt until it showed up on my files and I was not able to validate it with this agency to understand what it was.
There was nothing else in the envelope, just my bank account printouts. I googled the address on the envelope and it came up as Enhanced Recovery.
I am not sure what to think about this situation. Are they after me again?What can I do in defense now. I was so sick of paying for so many CMRR debt validation and writing them...
Please help if you have an advice.
Thank you, I appreciate any help.


If they never validated your debt then they are now violating the FDCPA by attempting to collect, if that's what they're up to, that is. I would sit tight if it were me, watch my credit report, and wait to see if they are planning to pursue this. Keep the envelope and print out by the way, you might be building a case for yourself to sue this company for up to $1000.00 for violating the FDCPA. Hopefully you still have the CMRR receipts to prove that they never validated.


lrhall41

Submitted by Shazzers on Sat, 10/03/2009 - 13:31

( Posts: 17344 | Credits: )


Quote:

Originally Posted by Anonymous
i have everything. i am just worried that they will show up on my credit report again. what to do if they do that? do i need a lawyer or can i sue them alone and how? thank you, I appreciate your help.


If you're serious about pursuing this try the website below:
http://www.fairdebtforconsumers.com/


lrhall41

Submitted by Shazzers on Sat, 10/03/2009 - 21:10

( Posts: 17344 | Credits: )