Stuart Allan & Associates Inc stating that I owe money

Send a DV letter at their address through certified mail, return receipt requested and wait for them to respond with the debt information. Review it thoroughly and if you find that they have given you wrong info, write a dispute letter. Don't agree to pay for anything. This correspondence will come handy in case you are asked to prove your story.

Address:
5447 E 5th St Ste 110
Tucson, AZ
85711

Phone: (520) 881-5900

You can find a sample letter in the DIY sections of the forums. Mute has given you some great advice! If you don't hear back from them after so long, send a follow up letter also via CMRRR.

That is interesting. I recently was shopping around for new auto insurance, one company I looked into stated I owed them $5 and some change from a policy back in 2001. I NEVER HAD A POLICY WITH THIS COMPANY EVER! I had been with the same company for over 10 yrs, and became dissatisfied when they tried to raise my rates because I got a new car. I did not go with this new company saying I owed them for a policy I NEVER HAD. I even have proof of who I've been with all these years. How does that happen? It is only $5 and some change, but I am not paying for something I never had. :twisted:

Guys and Gals,welcome to the murky world of old and uncollectable debt collections. Debt buyers buy this garbage for maybe one cent on the dollar and try and match up names and addresses. If your name or addy is close,they will harass you into paying on a invalid debt.That is why it is extremely important to send a debt validation letter certified return receipt mail before acknowledging or paying them a dime.

Cajun, that was very well said! It just irks me that they would bother with a $5 debt! But ya never know in this day and age of collections. :roll:

I checked my credit report and they had something there as well from "gottaplay games" that i've never heard of. called them up and Jack Meyer said that is was not mine and they had tried to get it taken off but it must not have worked. Then he asked me for my social so he could contact the credit bureau and get it removed and I politely declined to give my social to this total stranger. He said he would try to get it removed again. Should I believe him? What can I do to get this disputed and removed myself without having to reply on him?

I got a letter about a week ago stating I owed 900 dollars on a wreck from a year ago almost to the day. When they call my cell it shows the number to be 3502. They state they will be suspending my drivers license if I don't pay this off. I live in Texas and they say the wreck is out of Tn. Can they suspend my license for this or are they trying to scare me into paying this bill that is not mine.

They cannot suspend your license. Send them a standard Debt Validation letter.

OMG, this firm is making my life a living hell! They called and said that if I do not pay them $1354 from a past accident, that they will suspend my license immediately.

My car was parked at our home, with no insurance, about a year ago, until I was able to renew my policy. I was driving a family member's car in the meantime. My 16 year old daughter allowed a boy in the neighborhood to drive it "just to the end of the driveway" because she knew that car was uninsured. But he floored it and took off down the street then lost control, hitting another car and a fence, and totalling my car! I was laid off shortly after that, and things have just gone downhill ever since. I could not afford to have the car fixed, and still owed several thousand, so it was finally repossessed in my economic crisis. Of course now my credit is shot, but that's the least of my worries.

State Farm saw to it that my right to have a car registered in my name was revoked, after I was unable to follow through with payments on the damages to the other party. Now for some reason Stuart Allan & Associates are the ones calling me and they are vicious! For one thing, I am still not sure if I am even responsible for these damages, since I never gave this young man permission to drive my vehicle. He was charged with excessive speed and for driving without a license, and my daughter was charged with allowing an unlicensed driver to drive the car.

I have contended that I did not give the person permission so they should pursue him or his parents. They have since moved and I am unsure where they are. I am not the kind to operate a vehicle when uninsured; I parked it!

Foolishly, I VERBALLY agreed to have them draft $100 from my checking account each month (a lot for an unemployed individual) for over a year, and they have collected two months so far. I have signed nothing. Should I stop payment on the remaining virtual checks?

And I am still scared that they can suspend my license! They seem pretty sure of themselves. And how did this get out of the hands of State Farm?? Could THEY still suspend my license??

I have left over a dozen messages yet Stuart Allan & Associates will not return my calls. I am demanding something in writing before another payment is deducted, but they say if I stop pay, they will turn this over to the DMV for suspension immediately! Any advice appreciated!

I believe that you need to speak with an attorney. This is more than a debt issue, there are legal ramifications involved that may require court to resolve, unfortunately.

Hopefully, when the police report about the accident was filled out, that you told the officer that the car was abducted without your permission and that it was written on the police report. This will help.

As least avail yourself of a free consultation - get more than 1 opinion.

As far as the FDCPA goes, you may not be able to appeal to that. According to the FTC Staff Commentary on the FDCPA:
"Section 803(5) defines 'debt' as a consumer's 'obligation . . . to pay money arising out of a transaction in which the money, property, insurance, or services (being purchased) are primarily for personal, family, or household purposes . . ..'
...
"2. Exclusions. The term does not include: ... A non-pecuniary obligation (i.e. not a Fine or Penalty) of the consumer such as the responsibility to maintain adequate insurance on the collateral, because it does not involve an 'obligation . . . to pay money.'"

Depending on the State in which this event took place, since this debt is owed as a result of not having the mandated insurance, it may be treated differently.

It's hard to tell.

I have freecreditreport.com and got an alert that a collection account had been reported to Transunion. I have a 717 credit score. I contacted the company immediately and a female employee there started screaming at me and threatening me over a debt with Royal Western Insurance (Uhaul) that I thought had been settle a year earlier. I was FORCED to buy Uhaul Insurance on both the Van and the Trailer I rented. I requested using my own insurance and the Uhaul agent refused. I was given NO documentation of the Insurance coverage. I had an accident in a very dark area while trying to stop in a motel for the night. I notified them IMMEDIATELY and was told 'Don't worry, absolutely everything is covered.' by the Uhaul emergency number. I was called the next day while on the road and the insurance company had the exact information I gave Uhaul and I gave it again to them. They too, said 'Not to worry everything is covered.' Months later, I get a letter for $2101 in repair for 'Excluded damage.' Neither Uhaul, their agent, nor their Insurance Company stood behind anything they told me and they told me to refer to the insurance coverage information I was given at the time of rental. I nor anyone I know has ever been given insurance information from Uhaul. They just Demand that you use their insurance.
I called back after hanging up on the crazy woman who would not listen or stop yelling and threatening me and asked for a supervisor. I got Jack on Nov 16th. I told him I was going to dispute it with Uhaul and have reported both them and their insurance company to the BBB. I pointed out that they had violated PA law by not giving me 30 days notice of a Debt before putting a collection statement on my credit report. He told me so long as I agreed to make payments, he would file a Dispute on the account THAT DAY and file to have it removed that day. He said it would take 30 - 60 days to remove. 30 days later he sent me a letter that he was 'filing to have the collection removed from my report.' He had NOT done anything on Nov 16th. As of Dec 18th, all he has done was email me a letter that the account would be removed with 30-60 days. I have been watching and NOTHING has been done. I agreed to a first payment of $150 and $75 a month afterward. I have made 3 payments of $150. Do I have the right to send them a letter and withhold payments if they do not have it fixed within the 60 days. He said so long as the payment agreement was kept to, the account would never return to my report. He has never removed it as he promised. In 11 day, it will be 60 days from when he promised he was filing to have it removed. I have exceeded the agreed amount and he has not kept his part of the agreement.

I would suggest you Google is it illegal to drive without insurance and read what can and will happen to you!

Hello Mcfly you are responding to a post over 3 months old.

Just fyi - auto accidents are considered torts, not debts and are not subject to the FDCPA. And yes, in most states they can suspend a license for nonpayment.