1-2 Punch

Date: Sun, 04/13/2008 - 10:47

Submitted by goldenbast
on Sun, 04/13/2008 - 10:47

Posts: 2884 Credits: [Donate]

Total Replies: 9

There is a method out there called the 1-2 punch. Basically how it works is that you send a DV letter to the CA. When you receive the green card back you then dispute with the CRAs. When the CRA verifies the account, you got the CA for continued collection activity since it has already been established that any reporting (including verifying) is collection activity and therefore against the FCRA.

I found on the internet a graphic flow chart..it is the best thing I have ever seen for this and give many kudoÃ¢â‚¬â„¢s to whoever it was that made this.

Hmm..the picture didn't show..but goto the site and have a look.

lrhall41

Submitted by goldenbast on Sun, 04/13/2008 - 10:47

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golden take the brackets and img stuff off each and it will wo

golden
take the brackets and img stuff off each and it will work fine browsers cant read that

lrhall41

Submitted by on Sun, 04/13/2008 - 10:54

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http://server5.theimagehosting.com/image.php?img=12Punch.jpg&alb

http://server5.theimagehosting.com/image.php?img=12Punch.jpg&album=&fullsize=1

lrhall41

Submitted by goldenbast on Sun, 04/13/2008 - 11:04

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still can't get the image to work. :)

lrhall41

Submitted by goldenbast on Sun, 04/13/2008 - 11:05

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i can get it to work when i click your last "blue line" its lik

i can get it to work when i click your last "blue line"
its like a sort of progression chart to show you what to do? right?

lrhall41

Submitted by on Sun, 04/13/2008 - 11:09

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Yup! I was just trying to get the image to show up here so peopl

Yup! I was just trying to get the image to show up here so people wouldn't have to go to another link...but I can't figure out how to do that.

lrhall41

Submitted by goldenbast on Sun, 04/13/2008 - 11:16

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yes, this is a way to see if the CA youre dealing with cares at

yes, this is a way to see if the CA youre dealing with cares at all about the law. We just did this with a CA I am dealing with, and they failed the test. This is also not just a fdcpa issue--reporting info on a credit report that cannot be validated as accurate can be a violation of the FCRA as well, and those are more costly for the CA if you sue them. The penalties can be higher for FCRA violations than for FDCPA.

lrhall41

Submitted by skydivr7673 on Sun, 04/13/2008 - 20:37

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If a collection agency or original creditor is unwilling to mail

If a collection agency or original creditor is unwilling to mail records used for method of verification with the CRA, what is the next step for the alleged debtor to take?

lrhall41

Submitted by Rinnie on Thu, 01/14/2010 - 16:24

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Well, Original Creditors are not required to send anything perio

Well, Original Creditors are not required to send anything period. However, it is not the CA who you need to see method of verification, that is for the CRA to provide if you are really going for blood and want to hold the CRA accountable since sometimes it almost seems as if this is how they verify:

CRA: So and so is disputing this account.

CA: Yes, they owe us that money.

CRA: Ok thank you.

CRA: Verified.

lrhall41

Submitted by goldenbast on Tue, 02/02/2010 - 17:50

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