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Franklin Collection Services

Date: Tue, 12/08/2009 - 10:12

Submitted by danilewis82
on Tue, 12/08/2009 - 10:12

Posts: 296 Credits: [Donate]

Total Replies: 7


Hey, does anyone have a fax number for them? I just got 5 phone calls at work, about a medical bill.

What can I do to make them stop calling me at work? Can I request to work with the original creditor???

What can I do???


Quote:

Originally Posted by danilewis82
Hey, does anyone have a fax number for them? I just got 5 phone calls at work, about a medical bill.

What can I do to make them stop calling me at work? Can I request to work with the original creditor???

What can I do???



Have they sent you anything in writing yet? By law, they are required to send you a dunning letter within five days of initial contact. If they call again, make them aware of that fact, verify your mailing address, and hang up. When you get that, immediately send them a request for validation of the debt.


lrhall41

Submitted by unclewulf on Tue, 12/08/2009 - 18:59

( Posts: 3172 | Credits: )


thanks guys, i couldn't get the fax to go through yesterday, i will try again today, also, what is a "dunning" letter??

and this is for a medical bill. i don't think they submitted it to my insurance, which is why the bill is so high, its from last year, do you think i can get the original creditor back? or just send the CA my insurance info??


lrhall41

Submitted by danilewis82 on Wed, 12/09/2009 - 05:59

( Posts: 296 | Credits: )


Quote:

Originally Posted by danilewis82
...also, what is a "dunning" letter??


A [URL="http://dictionary.reference.com/browse/dun"]dunning[/URL] letter is a letter that makes a demand for payment. The law says that it has to include certain information. Here's the list, does the letter you got have all this information:

FDCPA, ?? 809. Validation of debts (15 USC 1692g)

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing???

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer???s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.


Quote:
Originally Posted by danilewis82
and this is for a medical bill. i don't think they submitted it to my insurance, which is why the bill is so high, its from last year, do you think i can get the original creditor back? or just send the CA my insurance info??


I would take the matter up with my insurance carrier first. They can tell you quickly whether a claim was submitted for that particular service or not. And what happened with it, if one was filed with them.

If it wasn't sent to your insurance, I'd maybe try a call to the medical provider. If they got snippy, or if I got less than complete satisfaction, I'd follow that up with a very strongly worded letter.


lrhall41

Submitted by unclewulf on Wed, 12/09/2009 - 16:27

( Posts: 3172 | Credits: )