need advice with collection

While you are trying to get PIF from the pdls, have the collectors validate the debt. Under law they must do this. That way you can confirm the original debt, plus what the interest fees were. Once validated (important since it's been a couple years), I'd send them a certified letter, return receipt, telling them you are not paying anything over what you originally borrowed because they are illegal lenders.

I would send the validation request, certified (return receipt). I did this with SHW; received the card back but no validation. Haven't heard from them in 2 months. They know they are illegal and they hope to just intimidate people into paying what they say they owe.

So when i speak with the collection agency tell them to mail me a debt validation? Also I've already paid much more than what i originally borrowed, i went over the amounts with the pdl's yesterday and have definitely given them more than the 200 borrowed

Tell them you won't acknowledge ANY debt over the telephone and according the the federal law, they are obligated to send you a letter of collection via the mail, if they fail to do so and continue calling you, you will be forced to file a complaint with the FTC for not follwing the FDCPA, and, you will also file complaints with your attorney general and the BBB. Then, follow through and DO file the complaints. If they do not comply with the FDCPA by not sending you a letter of collection via the mail after contacting you on the telephone, they are in violation of the FDCPA which means they are subject to a fine and being sued by you for up to $1000.00.

Ok, but what I'm also wondering is do I actually have to pay them anything since I already over paid both mmg and debt doctor, the two they are collecting for.

You don't pay them anything. Once you get the debt validation you respond via certified mail that you are only liable for the principal you borrowed because they are illegal and that you've already paid that back.

If the PDL is illegal, it's highly likely even if you DO send a debt validation letter you'll never get a reply. And as Shazzers says, file those complaints!

You're right, Pach. I requested one from SHW; never received it.

ok thank you all for your help

I'd gotten a call from one of these outfits and when I told them I wanted something on company letterhead stating that I in fact DID owe on a PDL (I'd overpaid my PDLs) and it was in fact a LEGAL debt, and they said they didn't have to send me any such letter! I said that was entirely up to them, but that was what I wanted. I never heard any more about the matter.

ok i'll ask them for a letter and see what they say. I've talked with both of the pdl's that he says they are collecting for and went over the amounts paid with them and they are definitely paid off

Ok I heard from national credit adjusters today and they say they sent a letter on the 25th so i guess maybe i'll be getting it today. Even with them sending me this letter what should my next course of action be?

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What's a dv letter? What do I need to include? What should I tell the guy calling in the meantime? Also if anyone has any info on an email address for debt doctor or magnum z can you let me know it

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So all i do is type up a letter saying that i need those things sent to me? what do I do if I can't get anything in writing from the pdl's clarifing that the accounts were paid? also the guy from nca told me that if he doesn't hear from me by monday that my credit will be affected, how can this be if it's an illegal loan?

So I spoke with mmg and debt doctor and both of them have told me that they can't acknowledge that my account has been paid in full since the accounts were sold to the ca, but I they did tell me the amounts i've paid in fees and it's definitely paid in full, but i can't get anything in writing. I also spoke with the ca and they told me they have no info on what was paid so far. What can I tell them, cause I defintiely don't want to pay them anything on accounts that I don't owe.

Tell them you need a dunning letter (letter of collection) via the mail, as required by the FDCPA, if they make excuses and don't send you one within five days, file a complaint with the FTC, tell the FTC you are being harassed on the phone by (name of ca), explain you have requested a letter of collection but they have not sent you one, also state that you requested one on (insert date) but they stll continue to call you. Make sure you provide the name of the company, title of the employee who is calling you, and name of the employee if possible (ask) also ask for an employee ID number, address, phone number, etc.

Now national credit adjusters is telling me that they are not a collection agency and that they actually bought the debt from the two pdl's. Does this make a difference? what can i do in dealing with these guys? if i paid the pdl's in fees what can i tell them? please help.

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So jusst so I'm clear I don't have to pay them anything right, cause like i said i more than paid the pdl before national credit bought this account from them. Even if they do mail me something do I still have to pay them? could they take me to court over this? could this end up on me report?

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but do I owe them anything? cause like i said I more than paid debt doctor and mmg the 200 I borrowed from both.

no you don't.they are a bottomfeeder that bought illegal debt that has been paid.treat it as such.

Thank you sooo much for all your help. I'll send letters out to them and will not pay them a cent