Lighthouse/Powell Law Collections for PDL
Date: Thu, 03/03/2011 - 21:03
They said they sent me a letter sometime in 2010, so I asked them to send me another to verify the validity of the debt. They refused to send me anything by mail, instead scanned a letter and sent it to me in email format. They blatantly REFUSED numerous times to send me anything via mail. Said I was refusing to pay a debt and just wasting their time.
They said they had an attorney, Annette Powell.
I'm reading on here about dunning letters... what is it? Can I send one? If the debt is valid then I will certainly pay it, but I want proof first. Do I need to send a C&D letter? Or a DV letter? Can someone explain the differences between these letters, I'm so confused!
A cease-and-desist letter is a letter demanding that the recipie
A cease-and-desist letter is a letter demanding that the recipient refrain from a certain behavior or face legal action. In your case it would be harassment by telephone. A DV letter is a document from the collector stating how much you owe, who the debt is coming from(who was the original lender), and how to proceed should you think the debt is invalid.
A collector MUST give you a written letter within 30 days of contact if asked to do so. A scanned image in an email does not constitute this. Under the FDCPA a debt collector (even a law firm) must adhere to the standards of the FDCPA and provide a debt validation letter to you.
The company your dealing with, (Powell Law Collections) is probably a mere cover for PDL Venture trying to scare you into paying. PDL Ventures does not hold a license in any state to lend money therefore your only obligated to pay the original amount borrowed. I would recommend sending them a C&D letter, also demand a written DV letter be sent certified mail and also file complaints with your states attorney general, bbb if they are on there, and the FTC.
Thanks to this wonderful site, I very recently got out of a dire struggle with these types of companies. Before I didn't know my rights and was confused like you. I was pushed around, talked down upon and everything else. Now if I get a call I politely tell them to go choke on a pencil and hang up, and I must say...it feels good
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