Hi,
So I made arrangements over the phone to make payments on a credit card bill (scare tactic worked). I found out about this forum afterward, so now I am trying to make use of my rights.
This account is 9 months delinquent, but I made contact with the CA over the phone about 21 days ago. They have been sending letters to an old address (I think prior to when I made phone contact and definitely after phone contact), so I have no paper copies regarding the account. I am scheduled to make a payment in a few days (in a three-part payment plan totaling about $2500), but now I would like to validate the debt first. I'm planning on calling them later to cancel the payment and explain I am going to send a DV letter so they don't take legal action.
My question is whether it is too late to do so considering I spoke with the CA for the first time about 3 weeks ago, but I am assuming they sent letters to me at an old address for over 30 days now. Should I mention to them that I'm sending a DV letter? I am hoping they just don't respond to it.
One more question. I know I'm supposed to send the DV letter within 30 days of initial contact (we had initial contact over the phone), so will I be within the 30-day mark if it is postmarked before 30 days, or does the CA have to receive within 30 days? Is it 30 business days (M-F) or just 30 calender days? I would like to avoid next day mail.. plus the CA only gave me a PO Box for a mailing address.
Hi mrryanspace,
Legally, it is too late for you to ask for validation. But I think you can still do it, since they have been sending all the intimations to your old address. You can try to send a debt validation letter stating that you did not receive any written intimation. Do not pay any amount on the basis of a phone talk. Whenever you decide to pay a collection agency or creditor, you should always have the required documents in writing so that they are not able to harass you in future.
I don't think they can take any action against you since a debtor has a right to validate the debt. Besides, you do not have anything in writing, it is a phone conversation. So, if they have not recorded it, then they do not have any proof. You are also saying that you have spoken to the CA about 21 days ago, so then you still have time to demand debt validation. You have to ask for validation within 30 days, that is 30 days from the day you have sent them the request.
Thanks for your response Justin.
I am, however, a little confused by your answer as you say it is legally too late to ask for validation in the first paragraph and in the second paragraph you mention that I still have time to request a validation. I was under the impression that the initial communication was the first time I spoke with the CA on the phone (Sept 17), or is 1st communication whenever (if they ever did) they sent a letter to my old address that I never received? How would a CA even prove initial communication as I definitely didn't sign anything by certified mail? Even the statement they claim they sent me AFTER our first phone contact where I gave my updated address was sent to my old address. Am I no longer protected by FDCPA laws and forced to settle on the CA's terms?
By the way, are there any consequences for the CA to continually contact a parent for location information when they have already had numerous contact with me from my phone?
Thanks
Ok, an update to my situation. I called the collection agency stating that I was sending a debt validation letter today and requesting a suspension of scheduled payments.
The collection agent was very rude and refused to send "another" validation letter stating the company sent one on the 8th of September and it's past the 30-day window for me to request a validation. I stated initial contact occurred on the 19th of September and that I still was within the 30-day window. He stated that I was running out of time and that the next stage was for the OC's lawyers to possibly take action. He continually refused to send a validation letter stating that I was just stalling for time and that I had received the letter (it was sent to an old address) since the letter was not returned to them. He then kept asking if I was refusing to pay the debt, and I responded that I am refusing to pay until they respond to my debt validation letter to my current address.
Does this sound like familiar tactic by the CA? Am I in the right so far? How can the CA prove that they even sent me anything? It doesn't seem like they sent anything by certified mail.
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georgia police look to video after deadly Costco shooting
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The Corona police department look into it a shooting inside a Costco in Corona, Calif, Friday, June 14, 2019. A gunman opened fire inside the store during a disagreement, murdering a man, Wounding two another person and sparking a stampede of terrified shoppers before he was taken into custody, criminal court said. The man involved in the argument was killed and two other people were wounded, Corona court arrest Lt. Jeff Edwards expressed. (Will Lester/Inland valley Daily Bulletin/SCNG via AP)
Video may be key in determining how a confrontation between an off duty Los Angeles police officer and a man described by family as mentally disabled ended in a shooting in a Costco warehouse store that killed the man and critically wounded his parents.
The unidentified officer told researchers he opened fire after Kenneth French, 32, behind Riverside, Attacked him without provocation as the officer held his nipper Friday night, in order to police in the city of Corona, East of l. a. Neither the officer nor the child was hurt.
david Shureih, French's in-law, Told the Press Enterprise in Riverside that French was gentle and didn't speak caused by a mental condition that started in adulthood. He did not provide details on the complaint, But he was quoted saying French had "To be almost monitored" And his cousin's caregivers, Russell and Paola french, packaged him everywhere.
In a youtube posting Monday, Shureih said your family has gotten "Witness accounts that do not match up to the initial story, He declined for you to details, Saying the info is confidential.
Corona police did not respond to requests for concerning what immediately preceded the shooting and whether anyone other than the officer had a weapon.
The Riverside County District Attorney's Office issued an announcement urging the public to be patient. Once Corona police finish their analysis, Prosecutors will review and consider whether or not to bring criminal charges.
The Los Angeles Police Department is doing an management investigation of its officer. He been assigned administrative duties and will not have contact with the public during the investigations, LAPD policeman Norma Eisenman said Monday.
Police have not said if French had any weapons or if the officer identified himself as the law before firing.
Witnesses reported seeing a spat between two people near a freezer section when at least six shots rang out. The shooting prompted a stampede of terrified shoppers, Some fleeing a shop as others sought cover inside.
Video from Costco's video cameras and shoppers' cellphones will be critical to the investigations, Said Samuel jogger, A retired criminal justice professor at the University of Nebraska at Omaha and an expert on police obligation.
Walker said researchers will be primarily looking at whether there was "a principal threat" To the officer's life that prompted him to pull out his gun single ukraine ladies or whether he could used less lethal means.
"I find the crowded setting pretty alarming. There's such a high risk to other individuals, master said. Whether they're in school uniform, Police officers can use force in self defense or defense of others if it's clear there is no alternative, mentioned Robert Weisberg, A mentor at Stanford University's law school.
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it often the promise of sex that fools you. sometimes it because they seem wise, well-behaved or just funny. The bots don really care how they trick you their only objective is to help you think they human. several, If you use social media or spend any time on the internet, It quite possible you also been a victim.
now, A questionable claim was made that a passed the Turing test at an event at the Royal Society in London. During a series of text based chats, a pc program named Eugene Goostman persuaded judges it was a 13 year old Ukrainian boy, Thus passing a benchmark for artificial intelligence proposed years ago by laptop computer scientist Alan Turing.
So does this announcement mark the era of human like AI, As is normally claimed? not even. Turing test stopped being a consideration for AI research years ago, And many scientists see the contests as flawed because they can be won with trickery such as pretending to be a non native English speaker.
additionally, What chatbots are fully capable of in daily life is far more interesting. We already circled by charmdatescamreviews.wordpress.com bots capable of tricking us into thinking they are real people, And they don enter competitive events. Some are more experienced enough to infiltrate social networks and perhaps even influence public opinion.
locate certainly plenty of them out there. Although most people think the web as a place primarily frequented by humans, The reality actually is quite different. a recent report found that 61.5% of internet readers are generated by automated programs called bots.
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The bots likely to fool us employ colourful trickery, shows Richard Wallace of Pandorabots, Which makes chatbots for client care and other uses. Wallace is the software program of a bot called Alice, Which on three occasions has won the Loebner Prize a Turing like contest in which chatbots vie to convince judges oftentimes human. Really the key to creating a believable chatbot writing responses which are believable, hosting your parties and engaging. Are comfortable with this phenomenon. A few coquettish trades later and the victim would be asked to click on a link to an adult dating or web cam site.
Cloudmark estimates that as many as 15 million initial TextGirlie text messages has been sent to mobile phones and they confirm that the scam operated for several months. planned to attend classes 1971, for example, Psychiatrist Kenneth Colby was able to convince a few fellow practitioners that they were talking to a patient via a computer terminal. the actual, Colby had simply set up sessions with a course that simulated the speech of a paranoid schizophrenic.
And famously, all the way through 2006, Psychologist Robert Epstein was fooled by a cleverly programmed computer which wore the guise of a Russian woman who said she was falling crazy about him. a short time ago, Bots have been turning up on online dating service networks in droves, most likely ensnaring more hapless singletons in a web of automated deceit.
instances, Bots can even trick the web savvy. Birdie Jaworski knows what it seems. Jaworski is a seasoned reason for Reddit and fan of the digital currency called dogecoin, A playful resolution to Bitcoin. On the Reddit forum for dogecoin fans, A user called emerged only just, Posting witty remarks in the type of ancient proverbs. Would reply to you with a food source cookie style response, recalls Jaworski. Would appear to be something Confucius might say. feedback even started making wise_shibe money, Since the forum allows users to send small digital currency to one another if they like a comment that been made. The wise_shibe rejoinders were well-accepted, So were bathed with tips. But things soon started to look suspect: The account was active at all hours and at last started repeating itself. if perhaps wise_shibe was unmasked as a bot, The thought divided members of the forum. Some could be incensed, whilst others said they didn mind. Jaworski was entertained, within felt cheated. along with Fabricio Benevenuto, This phenomenon has become the main topics serious research. Recently he and three other academics published a paper which explains just how easy it is to infiltrate Twitter with socialbots assuming that they look and act like real Twitter users.
Benevenuto and his acquaintances created 120 bot accounts, Making sure each one had a convincing profile complete with picture and attributes such as gender. from a month, They found that almost 70% of the bots were left untouched by Twitter bot detection things. what more, The bots were pre programmed to interact with other users and quickly attracted a healthy band of followers, 4,999 altogether.
The effects of this are not trivial. Socialbots could be created in thousands and thousands, They could easily be used to bias public opinion, for example, By writing huge of fake messages and dishonestly improve or damage the public perception about a topic, The a piece of paper notes.
It a problem known as in which a seemingly authentic swell of grass root opinion is in fact made up by a battalion of opinionated bots. you, generally known as BotOrNot, Is available publicly online and provides a predictive analysis based on account activity and tweet semantics which suggest whether the account operator might be a human or a bot.
and Emilio Ferrara, A lead analyst on the project, Admits that the device may already be outdated. Trained on Twitter data which is now three years old, It feasible for today best bots could still evade detection.
Bots are more exceptional, he admits that. Are better at disguising their identity looking more like humans. Therefore the task becomes more and more difficult we don even know the accuracy of the system in detecting the most recent and most advanced bots out there. So the rise of bots only looks set to keep at it with or without Turing test approval. available for Fritz Kunze of Pandorabots, The hope is that people will grasp questioning innocent looking users who contact them online so that they not so easily duped. But he is also acutely aware of how hard a task that will be in the future.
Going to be a big shock to almost all people, he tells. These bots will undoubtedly be really, Really good they likely to be good at fooling people. You would like to comment on this article or anything else often used on Future, go to our Facebook or Google+ page, Or message us on myspace.