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What recourse do I have if a collection agency calls and fails to give the standard disclaimer that the call is an attempt to collect a debt?

First Choice Assets called me to "verify an address" to send a "legally required notice". I got the guy talking to find out what they were calling about and dragged him into the specifics of the claimed debtor and the amount owed. (I am aware of the debt and I have been writing, to no avail - they don't respond, to the original creditor because the amount showing on my credit reports doesn't match what I think I owe.)

So, this debt collector got into a whole discussion with me about the creditor and the amount owed. He verified my identity but he never once identified himself as a collection agency and that he was attempting to collect a debt.

Do I have some sort of claim against the CA?

Amounts on credit reports include accruing interest. Most people do not realize how fast it adds up. If you are writing to the OC, they will not respond. In fact writing to the CA wont get you a response in writing either.

Yeah, he may have violated but unless you have it on tape it is your words vs theirs.

Sub: #1 posted on Wed, 05/15/2013 - 14:58

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