I've got four accounts that seem to have been referred to collectors -- but not exactly.
I've been contacted by four different organizations regarding four different accounts for the purposes of collecting a debt. I know that the original creditors have kind of given up and I know these third-parties are involved to make the situation seem worse than it is. One is a law firm that's know to frequently violate the FDCPA and one other is a collections agency that was punished by the FTC with a record fine for doing the same.
I'm wondering if anyone has any experience with this or advice.
I know these third parties haven't been assigned the debt or bought it because I ask for the address I should send payments to and it is always the original creditor.
I've given a couple of them a hard time by saying that I had not been notified in writing that they are handling my account. One of them got really pissy with me and I even made them get mad and hang up the phone.
Tonight I read the following...
...and none of the three have notified me within the five days as prescribed. In fact, just one has even sent me ANYTHING in writing.
They're already pretty grumpy because I've insisted that I won't provide any information they don't already have until I've been notified in writing that they're handling my account.
I'm not the kind to hide from these jerks and I love to push them around when they try to push me around.
Should I inform them that they're already violating the FDCPA?
How will I know when they actually OWN the debt?
Some others have done hard-pulls of my credit report. I should be able to dispute these, right?
I've been contacted by four different organizations regarding four different accounts for the purposes of collecting a debt. I know that the original creditors have kind of given up and I know these third-parties are involved to make the situation seem worse than it is. One is a law firm that's know to frequently violate the FDCPA and one other is a collections agency that was punished by the FTC with a record fine for doing the same.
I'm wondering if anyone has any experience with this or advice.
I know these third parties haven't been assigned the debt or bought it because I ask for the address I should send payments to and it is always the original creditor.
I've given a couple of them a hard time by saying that I had not been notified in writing that they are handling my account. One of them got really pissy with me and I even made them get mad and hang up the phone.
Tonight I read the following...
...and none of the three have notified me within the five days as prescribed. In fact, just one has even sent me ANYTHING in writing.
They're already pretty grumpy because I've insisted that I won't provide any information they don't already have until I've been notified in writing that they're handling my account.
I'm not the kind to hide from these jerks and I love to push them around when they try to push me around.
Should I inform them that they're already violating the FDCPA?
How will I know when they actually OWN the debt?
Some others have done hard-pulls of my credit report. I should be able to dispute these, right?
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