Illigal company

Date: Thu, 04/24/2008 - 15:27

Submitted by mshirley38
on Thu, 04/24/2008 - 15:27

Posts: 33 Credits: [Donate]

Total Replies: 5

This is about the illigal company called Capitol revovery associates. The have called me on several accasions demeanding that I send then an amount that i cannot pay, and have money to feed my family. They never ever send anyt6hing in the mail. They just want me to give them my banking info. i lied and told them I had none, then they said well then do you have a family memeber's banking info I said NO, they even asked me to get a friends banking info. i was like yeah right. THEM to top it all off they called agian and my husband answered and they told him everythinjg about what i owe and all. I thought this was aganst law for them to tell anyone else but me the information about my account.

Shirley, That is most certainly illegal. Go ahead and send the

Shirley, That is most certainly illegal. Go ahead and send them a letter requesting debt validation. I have dealt with them too and they can be really ugly. If you need a letter template, I will be more than happy to share mine, just let me know. They left me alone after the letter :D

lrhall41

Submitted by RoxyNY on Thu, 04/24/2008 - 15:32

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hi Shirley-- with all respect to Roxy, this is NOT illegal. Th

hi Shirley--
with all respect to Roxy, this is NOT illegal. They can ask for anyone's banking info they wish to. There is no law that restricts how many times they can ask for payment, or where they can ask you to get it from. Also, it is not illegal for them to speak to your husband about the debt--here is a section of the Fair Debt Collection Practices Act for your review:
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They can talk to your husband, without needing your prior approval to do so. Nothing illegal in what you mentioned. What you need to do, however, is send them a certified letter stating two things---
1--that you are hereby requesting full and proper validation of this debt
2--that from this moment on, they are to communicate with you only in writing through the mail
They DID do something illegal when they didnt notify you of your right to dispute the debt within 5 days of intitial contact, but so far thats all I see wrong. Sending them that certified letter will ensure that your rights are protected, that they arent trying to illegally get more money from you than they are entitled to, and it will also hopefully make your phone stop ringing--if they continue calling after they get that letter, then that would be illegal.

lrhall41

Submitted by skydivr7673 on Sat, 04/26/2008 - 22:16

( Posts: 2036 | Credits: )

debt

I would LOVE to know how many places ARE illegal ( not saying this one is). With ANY company, however, i thought they would need permission to talk to someone OTHER than yourself.

lrhall41

Submitted by sdchargers_63 on Sun, 04/27/2008 - 04:19

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Your right SD. They may only disclose the fact that someone has

Your right SD. They may only disclose the fact that someone has a debt and the details of that debt with any member of the responsible party. If the person is not responsible for that debt (it is not theirs) then they may not disclose any information to them.

lrhall41

Submitted by JCEMT on Sun, 04/27/2008 - 06:33

( Posts: 2934 | Credits: )

the same thing is happening to me!

wow, when i read your experience it made me calm down a little. they are such jerks! i would really like to speak to you, can you give me your e - mail address so we could talk. i need help and it seems that we're in the same boat! id really appreciate it! [email]hollyanncramer@yahoo.com[/email]

lrhall41

Submitted by on Thu, 04/23/2009 - 13:09

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