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Question for you folks

Date: Sat, 03/26/2011 - 12:00

Submitted by mmac
on Sat, 03/26/2011 - 12:00

Posts: 36 Credits: [Donate]

Total Replies: 3


It seems that whenever a CA contacts me and I send them a debt validation letter I never hear from them again and a month or so later another CA will contact me and try to collect on that debt. This has happened twice now. The first time the CA wrote me back and said they could not validate and were sending my case back to the original lender and I never heard from them again. Most recently on my cap 1 debt Wilson and assoc had it, I sent them a debt validation letter (I posted in another thread .."Is this debt validation" ), and I haven't heard from them again but now I just got a letter from a Gary Kreppel PC trying to collect on that same debt.....Incidently all Wilson and assoc sent me for validation was copies of my Cap 1 Credit card statements...
So what does all this mean? Is it that CA's don't want to get involved with people that know the law and try to get them to stick to it? Does that make it more difficult for them to collect as opposed to collecting from some un educated debtor that can be scared easily into paying? Or is this an idication that most CA's don't have the proper paperwork from the original lender to actually validat properly?

This just seems weird to me?


Some collection agencies don't want to be bothered with validation. It could be that they are not licensed as a collector in your state. Unfortunately, you will have to validate with each collector. You could call Cap 1 and verify who has the account and then negotiate a settlement with them.


lrhall41

Submitted by aubrey on Sat, 03/26/2011 - 12:19

( Posts: 1203 | Credits: )