Absolute Collection Corp.

Hi Mary,

Can you tell me if you have proof that you had sent the "debt validation letter"? If you have, then you can use it to solve your problem. However, you can first talk to the collections company and inquire into this. Wait for some days and then send a second "debt validation letter" through certified mail, requesting a return receipt. If they fail to validate the debt this time too, you can use the proof of the debt validation to dispute the item off your report. If a collector cannot provide debt validation to the consumer, they cannot continue with the collection process.

Thanks,

Alysse

Yes I have proof that I sent a validation letter, I also sent a second letter to them yesterday.

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Update on Absolute Collection Corp. they have not contacted us since sending the second letter. But I think another bottomfeeder has picked up the debt. looking to see what can be done with the new one. as they haven't responded to a validation letter but contacted us and sent a bill via email. and is now showing up on our credit report.

heres a thought, pay your bills if you dont want collection calls.

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Well today we just got a bunch of statements from Absolute Collections Corp.and none of the other request like, the agreement that authorizes them to collect on the debt. or the agreement that bears signature of the debt to pay the original creditor. the validation letter was sent back in March I have the return receipt show the delivery date as 4/18/10.

My question is should I send another letter request the information that wasn't sent or should I start to negotiate a payoff?

were the staements from the allged debt,or statements that i could have typed up.sometimes old CC statements are good enough,but you can push for something with your signature on it.depends on the statements.are they from the OC.or just a bunch of papers anyone could have typed up.yes alot of bottonfeeders will send their own papers.not a thing from the OC.make sure the statements are real first.if not re-send th letter with the additions you stated.if so then start rge haggling over settlement/payoff.

They were from the OC. thanks for the advice.

FDCPA states the collector must tell you this: "My name is 'Dick Bottomfeeder' with 'debt company', this is an attempt to collect a debt. Any information obtained will be used for that purpose."
FDCPA also says the collector can est 1 contact per day. (contact= 1 voicemail, speaking directly with the consumer-so if the call drops on a cell- it's illegal for them to call you back, unless you've given them permission to do so.)
If the collector leaves a message, if no prior contact has been est., the collector must say: "this message is for consumer. If you are not consumer, do not listen to the remainder of the message. (3 second silence) consumer, the message contains personal and private information. Do not listen to this so that other people can hear the message. (3 second silence)my name/company. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Return my call@ phone number.". End of call. If voicemail was the first communication between you and Dick, Dick has to leave that exact message or you can sue the pants off of him. It's $1000 per violation of the FDCPA. NEVER can a collector leave more than one contact for you a day. (collector can not leave a message for you on your cell and home, or cell and spouses cell, or home and place of employment-or any combination)

I'm not sure if you're still having a problem here or not, but I thought I'd offer the solution to stopping any and all collection calls. Please read below.

Absolute Collections (ACS) may also use other company names. They have machines to call and leave messages to call 800-752-4172. They also use numbers beginning with 919-755-3* and others. Read below for the best way to deal with these types.

With VOIP phone service from Lingo (and I think Vonage, perhaps other VOIP providers as well) you can reroute these types of calls right back to the company so they end up harassing themselves. The feature is called "Selective Call Forwarding" on Lingo, and with it you can route any quantity of phone numbers to any other numbers of your choosing. (You can set up multiple rules to such that you can forward legitimate calls to your cell phone, for example.) The mechanism is such that you will never run out of numbers that you can forward, no matter how many bottom feeders spring up.

In ACS case I have already set up rules to forward "919-755-2*" and "919-755-3*" right back to 800-752-4172, so the company will end up calling itself. Notice the asterisk wildcard on the incoming numbers. In this case that means even if they have a block of 1000 phone numbers, anything that matches before the wildcard will be rerouted to them.

This feature is wonderful. Not only will you not be harassed, you'll get the satisfaction of knowing you're aggravating the hell out of them because they're not able to harass you, and instead they're cauisng their own phones to ring.

No, I don't work for Lingo. I'm just tired of abusive collection services, many of who don't care whether they're calling the correct number or not.

You should pay your bills if you are able to, but I suggest that no one EVER deal with ANY collection company, period. If the debt is valid and you wish to offer payment, offer payment to the original creditor contingent upon them terminating any and all agreements with collectors. Get everything in writing. If they refuse your offer of payment you will then have a powerful weapon in court if any legal action is taken against you.

And keep in mind that almost all collectors will lie through their teeth about what they can do to collect.

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