Michael J Scott, PC Texas--breaking laws and getting by with it??
Date: Sat, 08/21/2010 - 16:53
I am also dealing with Michael J. Scott, PC concerning a Citibank account. I received a letter via regular mail dated July 22, 2010. The letter stated it was a a written response to my request that they verify an "above referenced debt" --no amount was included. He noted some cases concerning Verification of debt (Chaudhry v Gallerizzo) as someone mentioned he likes to hide behind. First of all, the letter was NOT a written response to MY request that he verify the alleged debt because I NEVER received the written notice of the debt from Mr. Scott's office as required by law--why would I send a written request if I had no written notice of an attempt to collect a debt?? I keep very accurate records and had I received the proper notice I would have responded appropriately by certified mail. So...I'm a little at a loss as what to do and now very concerned that I am going to be sued...I did a lot of research, including finding this site, filed a complaint with the FTC, the Texas Atttorney General's office, and sent a certified letter to Mr. Scott's office stating my beliefs that his office had violated the FDCPA. The letter was signed for on Aug. 9th. Today I received a letter of NOTICE OF INTENT TO FILE CIVIL LAW SUIT if I did not respond within 10 days to settle the debt. I've filed a 2nd complaint with the Attorney General's Office and I'm sending all documentation (the two letters I've received from Mr. Scott's office and the certified letters I've sent to him) to the Attorney General's Office by certified mail. I'm also sending another certified letter to Mr. Scott's office. My concern, is whether or not I should actually dispute his claim and request validation since I NEVER did and still have not received the Written Notice letter as required by the FDCPA. The letters I've sent have only stated my belief that he has violated the law. It seems to me Mr. Scott is continually failing to follow the law and leaving consumers like us unsure as to what to do to protect ourselves--not to mention the stress it is causing.
Sounds pretty fishy. Have you considered suing THEM for violati
Sounds pretty fishy. Have you considered suing THEM for violating FDCPA by not sending a Dunning letter and continuing to try to collect on an unvalidated debt?