What do I do when a debt collection agency refuses

What do I do when a debt collection agency refuses to send anything in writing and I have no account informtion? I have asked many times for something in writing (account info, how much owed, proof), a few have told me that they will but I never got anything. A few told me tht they can't send me anything that I must pay. They still call continuously. I don't know what to do, I want to pay if I owe, but Im scared to get scammed.

6 Answers

The DV letter functions as a cease and desist until they validate....there is no reason to send a seperate C&D.  Per the FDCPA they cannot dunn you until the validate.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

You can send a Cease and Desist letter if the debt is not validated.


Haha thats great lol

Thanks for your help. I am writing the letter now!  


Who is the agency?

Read the FDCPA...it is the bible for dealing with debt collectors.

 

Dear Scumbags

SInce you refuse to send me anything in writing , per the FDCPA  I hereby dispute the validity of this debt.  Show me my signature on an agreement along with the balance and name and address of the original creditor.

Govern yourself accordingly.

 

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Okay I will try that. Hopefully they will give me an address to send it to! Is there a certain way that I should ask for something in writing? Just wondering, I've been reading about how there are only certain ways to do it that work.

Thank you!


Have you done this request in writing?  Preferably via certified mail return receipt request.  They are under no obligation to send this information if you ask verbally.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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