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can i get a copy of the cease and desist letter

Submitted by on Fri, 09/24/2010 - 08:20
Posts: 202330
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this company from NY VRM Group, called me after stating they got a request for suit from someplace called IMPACT that I supposedly got a loan from in 2007 and they want me to pay them $695. i havent paid it but i would like to try what you all are doing. i live in MD


Initial Debt Collection Dispute Letter


Today's Date


Your Name
Your Address


Collector's Name
Collector's Address


Dear {insert name of collector or company},


I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.


This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:


(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.


I respectfully request that you provide me with the following information:


* (1) the amount of the debt;
* (2) the name of the creditor to whom the debt is owed;
* (3) Provide a verification or copy of any judgment (if applicable);
* (4) Proof that you are licensed to collect debts in (insert name of your state)


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:


* because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
* you cannot add interest or fees except those allowed by the original contract or state law.
* you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;


Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.


I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ?? 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.


Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.




Signature here
Your Printed Name




IMPORTANT: Always send debt collection dispute letters by "official mail - return receipt requested" and keep a copy for your records. Also, recognize that the Fair Debt Collection Practices Act does not require collectors to respond to your dispute unless they intend to take specific actions such as pursuing court actions. Finally, don't be surprised if you never hear from the collector because when collectors cannot verify a debt, they usually drop the account or sell it to another collector.


Submitted by Jack Arons on Thu, 11/04/2010 - 03:08

Jack Arons

( Posts: 7 | Credits: )


Quote:

Originally Posted by Jack Arons
Initial Debt Collection Dispute Letter


Today's Date


Your Name
Your Address


Collector's Name
Collector's Address


Dear {insert name of collector or company},


I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.


This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:


(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.


I respectfully request that you provide me with the following information:


* (1) the amount of the debt;
* (2) the name of the creditor to whom the debt is owed;
* (3) Provide a verification or copy of any judgment (if applicable);
* (4) Proof that you are licensed to collect debts in (insert name of your state)


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:


* because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
* you cannot add interest or fees except those allowed by the original contract or state law.
* you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;


Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.


I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ?? 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.


Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.




Signature here
Your Printed Name




IMPORTANT: Always send debt collection dispute letters by "official mail - return receipt requested" and keep a copy for your records. Also, recognize that the Fair Debt Collection Practices Act does not require collectors to respond to your dispute unless they intend to take specific actions such as pursuing court actions. Finally, don't be surprised if you never hear from the collector because when collectors cannot verify a debt, they usually drop the account or sell it to another collector.


what happens if the collection agency comes after you when you are working with a debt settlement firm and they still harress you who do you turn to do you send the letter to the settlement firm to go over it


Submitted by triniskier on Thu, 11/04/2010 - 03:12

triniskier

( Posts: 184 | Credits: )


Keep in mind that any CA is not required to work with any debt management firm or debt settlement firm. You can cease and desist them but that could backfire and cause them to litigate quicker. Besides, why would anyone waste money working with a debt settlement firm when you can do it yourself for free?


Submitted by SOAPLADY on Thu, 11/04/2010 - 03:19

SOAPLADY

( Posts: 17315 | Credits: )


Quote:

Originally Posted by SOAPLADY
Keep in mind that any CA is not required to work with any debt management firm or debt settlement firm. You can cease and desist them but that could backfire and cause them to litigate quicker. Besides, why would anyone waste money working with a debt settlement firm when you can do it yourself for free?


no one wants to work with anyone in this country that is the problem. people come on here to get help but some of us are told you can do it yourself and we do not know one thing or other about getting it done. it is a very long process where you have to know what you are doing. If you do not know anything about it you might make it worse. Say things wrong and make the creditors get their money or even take the money out of your accounts


Submitted by triniskier on Thu, 11/04/2010 - 03:49

triniskier

( Posts: 184 | Credits: )


Debt settlement is not rocket science...collection agencies offer settlements every day....they are standard. Clients pre authorize how much they will settle for and the CA will use this as a tool.

Learning how to do it yourself will take some research...you read the boards and ask appropriate questions. You control your own money. There are too many rip off settlement firms out there so why take a chance.


Submitted by SOAPLADY on Thu, 11/04/2010 - 03:58

SOAPLADY

( Posts: 17315 | Credits: )


Quote:

Originally Posted by SOAPLADY
Debt settlement is not rocket science...collection agencies offer settlements every day....they are standard. Clients pre authorize how much they will settle for and the CA will use this as a tool.

Learning how to do it yourself will take some research...you read the boards and ask appropriate questions. You control your own money. There are too many rip off settlement firms out there so why take a chance.


exactly.i know a couple of friends who were taken by a cc settlement scam.btw almost all of them take their fees first but never state that to the potential client.a great number of our own members have because of this site settled cc debts on their own,and without paying a fee for it.another btw i won't mention the place without their permission sorry.


Submitted by paulmergel on Thu, 11/04/2010 - 07:20

paulmergel

( Posts: 15514 | Credits: )