Collection Agencies Legal?

Hello and welcome! Actually, their first initial contact with you by USPS should be a dunning letter. In that letter, it will state they are attempting to collect a debt and you have 30 days to dispute it, at which time you should send them a validation letter that requires them by Federal law (Federal Debt Collection Practices Act) to verify they own the debt, and the debt is actually yours. If you refer to the fdcpa regarding validation, it will give you a more in depth explanation of how it works and what to expect as proper validation. Also, during this validation period, they can NOT continue attempting to collect until proper validation has been received by the debtor. :)

Its actually called the Fair Debt Collection Practices Act.

Thses are just my thoughts so I would suggest you "check your feelings at the door":

Quote:

The problem is that I'm a disabled Vietnam Vet, honorably discharged I might add. 100% and permanent disabled. Even though my doctor and I filled out and signed the forms, Synerprise asked us to, they are ignoring the fact I'm disabled and want the same forms filled out, signed and mailed back over and over and over again. As you may know, doctors get rather testy when their integrity and expertease is questioned. Particulary by someone not a doctor. My doctor's response was, "What part of permanent and total do they not understand?" Synerprise even went as far as to send me a letter saying that they confirmed I'm working and intended to garnish my wages. Neat trick since I haven't been able to work for over 20 years! Even if I was able to pay, which I can't, would you send payments to someone you've caught in multiple lies?

You should contact a lawyer in your state that sues collection agencies. Sounds like they have crossed the line one too many times and you might as well get paid for their ignorance. That pisses me off when collectors harass disabled veterans who fought to defend these ignorant peoples right to have the freedom to be scum bag collectors. What state do you live in ? I would love to help you find a lawyer who can sue them.

Just wanted to add, there is absolutely no question of my being total and permanantly disabled. It has been confirmed multiple times by both VA and private doctors as well as the entire Cardiology dept. of Barns-Jewish Hospital in St. Louis, Washington University in St. Louis, and Skaggs Cardiology dept in Branson, Mo. Even three seperate Missouri State judges confirmed it and ended by asking the same question as my family doctor, " What part of total and permanent do you not understand?"

Does this JDB have a judgement against you? That's the only way they could even begin to think of a wage garnishment. What state are you in?

I live in Missouri.

I think you should go through the page ???????Fair Debt Collection practices Act ???????? fdcpa??????? which will give you an idea about the limits of collection agencies.

Do you have a judgement against you?

HI Spirit-did you also post as "bigeerider"? This case sounds familiar and are they trying to collect on a student loan?

If so, you've got a thread in the Student Loan forum too, just fyi.

Synerprise in Dallas? Have you filed complaints with the MO and TX AG's, the FTC and the ACA?

Here is what Soaplady, a mod in the Student Loan forum wrote on your first post. Please remember that they do need to follow the fdcpa, but student loans have no SOL.