Collectcorp improperly validated debt

Submitted by Anonymous (not verified) on Tue, 04/20/2010 - 14:37
Forums

Hi. I live in TN and have an unpaid credit card from Bank of america that was turned over to collectcorp collection agency.After I received the first notice from collectcorp that they were handleing my debt I sent them a request for debt validation by certified mail.All they sent me back was the last year's worth of credit card statements.There was nothing else.Not even a letter from them.They failed to send me anything with my signature on it from when I first opened the credit card 5 or so years ago and they did not send me proof that they purchased my debt from bank of america.I am in fear of being sued by them and need to know what to do now.Do I send them another letter asking them to properly validate my debt? If so is there a sample letter for me to use this time? Also what are the odds of me being sued when the colection agency is in Navada and im in TN?

Thanks,
D.W

Hi Nicky,

No collection agency can continue with the collection process if they fail to provide the debtor with the proper validation of the debt. However, you can try to send them a second validation letter, mentioning about the first one. Send the letter through certified mail.

If the collection agency fails to provide you with a proper validation of your debt, you can dispute this item with the credit bureaus. Send the bureaus a dispute letter mentioning that the collection agency wasn't able to validate the debt. Attach proof of both the validation letters sent to the collection agency.

Hope this helps.

Regards,

Aaron

Wed, 04/21/2010 - 04:21 Permalink
nickysduck2 (not verified)

I forgot to mention in my last post that the debt validation letter I sent to the collection agency specifically requested that they validate the debt within 30 days and they did not. It was over 30 days.I have the delivery confirmation slip showing when i sent the letter to them.when they recieved it and the postmark on the package they sent me back was a week after the 30 days.I recived it several days after the postmark.Since they did not validate within 30 days does this mean they can't sue me? I have other credit cards with collection agencies that I sent dv letters to as well and none of them valadted at all.Where do I stand now? I have copied the exact letter I sent the collection agencies below.
Thanks,
D.W

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on Feb 16,2010. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:

What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home, family,friends or to my place of employment . If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,

Wed, 04/21/2010 - 13:18 Permalink

Hi,

There is no such rule mentioning that the collection agency is supposed to send you validation of your debt within a 30 day period. However, the debtor is supposed to send the validation letter to the collection agency within 30 days of the first collection attempt by the collection agency.

Your letter is OK. However, you need to be a bit less rude. You can change the text here "What the money you say I owe is for; Explain and show me how you calculated what you say I owe". If you want you can use the sample validation letter available with this community.

Thanks,

Aaron

Thu, 04/22/2010 - 12:23 Permalink
matzcrorkz (not verified)

CCjZFY Looking forward to reading more. Great blog.Really thank you!

Tue, 08/05/2014 - 04:37 Permalink
charmdatescamr… (not verified)

perplexing Compulsory Coupledom

regularly, a definite policy proposal will get people thinking, And their critiques will slip the bounds of these issue in question to get to something much bigger and more sweeping. That's what's happening now in england and wales.

the policy, labelled "the bedroom tax, Was proposed by prime minister David Cameron and "Involves treats like cutting some welfare benefits for people in under occupied homes those with spare bedrooms, The focused critiques underscore the ways that the proposed tax would hit the most vulnerable the hardest, adding, as an example, "those with disability, Foster parents and divorced couples who share the care of their kids,

At the protector, Priyamvada Gopal stole the boarder, More capturing view, And asked, "Is compulsory coupling really spoil a home improvement live, In her account, She reminded us of some of the biggest challenges to the common mythology about the supposed superiority of the coupled.

One of the most useful known polemics is Laura Kipnis's, as opposed to Love. As Gopal reminds you and me:

"Laura Kipnis observes that refusing to participate in the required regimen of modern love and its elevation of the couple form is seen as both tragic and abnormal

"Labour intensive mantras now permeate the language of romantic relationships. To refuse to on achieving or preserving couple status is to be an irresponsible skiver, a difficult benefits cheat who undermines the social good,

Recalling poet Adrienne Rich's influential writings on "imperative heterosexuality, Gopal sees sexy russian women an analogy in what is occurring now. The UK is working towards "compulsory coupledom, encourage by "The amped up unsupported claims of romance, Sexual interest, And man choice,

"The scare stories about men and women dying earlier or loneliness becoming a pandemic must be seen in the larger context of a social order that is hostile to non couples"

The worthy conclusion to the content is:

"It time that coupledom stopped being touted as your best option, An idea strong not just by state approval and resource allocation, But also by religion, this market, well-known culture, Assorted experienced therapist and our own anxieties,

so very, Hats off to Priyamvada Gopal and to the guardian. Just what, while. She missed a student been writing and talking about and researching these themes for well over a decade. confident, this writer. singled out, My remaining books, And this blog and my other medication is all relevant. As a social researchers, I watch out for arguments that go beyond opinion or polemics. as an example, that "Scare books" About singles and their supposedly nasty, Brutish, And short lives need additional context. they're able to and have been tested empirically, and found wanting. Most of the myths about personals are grossly exaggerated or just plain wrong. As for the ways that they single people are targets of stereotyping, Stigmatizing, And splendour, 28 contributors and I had a lot to say about that in Singlism: how it is, Why It situations, and the way to Stop It. (book is here; Ebook is here.) Happy perusing!

[remarks: due to the fact KT for the heads up about the Guardian article. doctor. DePaulo has discussed singles and single life on radio and television, as well as NPR and CNN, And her work has been described in newspapers including New York Times, The arizona Post, The Wall Street daybook, And USA at this time, And periodicals such as Time, atlantic, one particular Week, lots more, the world, website Week, AARP newspaper, and Newsweek. doctor. DePaulo is in their own sixties. She has long been single and always will be. pulling "Single in the mind" Single is how she lives her best and most significant life.

Wed, 05/15/2019 - 02:32 Permalink
latin girlsbek (not verified)

To the actual of family Albuquerque Journal

..................

you should go home again, As Thomas Wolfe notoriously wrote.

goodness, Do I believe otherwise! states. need to go home again. You just can get it to be the home you had. Cohen, Returning to Albuquerque from New York means coming nose to nose with the memories, pleased and sorrowful. Family is front and center for me. I always discussed family bonds. That the country I live in.

DEFINING your own circumstances. your identiity and what you here for.

becoming a mother. Is do not take cooking job, Getting her in the actual world, she says about raising her daughter, Ava.

latest MOMENT. Each day knowing that it a day out you will, It specific. Days are very important, Hours are, Who you with is important, How you treat people is essential. improving people, In all their craziness, Artist craziness, Teenage insanity. Everybody just letting everybody be as they are. They taken into consideration her father, on top of that, An economist at the collage of New Mexico, About whom she wrote a memoir as he was dying of Alzheimer House on Beartown Road: A Memoir of Learning and forgetting. Nostalgia lurks in the streets of the north Valley, uniquely Rio Grande between El latamdatereviews.wordpress.com Pueblo and Ranchitos Road, From which she can see the back of the house in which she grew up, Where there were a windmill. occasionally, She confesses, She has terrific grief and anger that I can just drive up to my parent house and talk to them. as if, Why aren they currently there? Those ghosts squarely in the eye is the assistance to of a memoirist, And Cohen is up for the project. I met her for this job interview at the Los Griegos Public Library, Where she takes note of her mother taking her often. that here, she says, She decided at age 9 she thought about being one of the people writing the books that get in the library.

In this series of interviews prior to our 25th anniversary issue in August, Sage magazine aims to uncover how women create their own term living well.

Asked what it means to live well, The 54 years old Cohen says, You hear those keywords and phrases, you imagine of opulence and have a lot of worldly goods and free time. Me especially if they life is, when i, It more living consciously.

those types of voices was her father, Who advised acquire a real job.

Always felt sad that my dad couldn take that leap of faith beside me, she says.

because of this, She encouraging of her 15 year old daughter, Ava, When she says she might enjoy being a filmmaker.

Cohen set off as an anthropologist, studying at UNM but that ended after she botched a research stint in Panama. She still brings the view of an anthropologist whether she observing an Internet outage in Gallup or the perils of electronic communication in the internet dating world, The theme of hypothetical Girl. She worked for 10 years as a surgeon, this sort of a stint at The New York Times. A story your first Navajo woman to be a surgeon led to Cohen first book, knife and the Silver Bear. Her timing was great. simply a hard thing to be. Rest of the storyIn this unabridged version of an interview with Cohen, The conversation continues into how she came to write Hypothetical Girl to musing on her legacy to going back to New Mexico.

hypothetical BEAUTY. Cohen desire for communication in the era of much mediated conversation led to her short story collection, hypothetical Girl. One story presents as a breathing on beauty, As a woman prepares to speak to two men she met online, The Ugly Man and the tidy Man. My consideration of what is beauty, states. Ugly man has enjoyable features. Device she uses in the story is the concept that we appear to ourselves differently in different mirrors. The main individuality looks beautiful in one mirror but not another. It was her way of getting at the thought that we are all hypothetical, Even to us.

MUCH MEDIATED verbal exchanges. They have unique habitats and migration patterns, And they live in numerous time zones.

The idea sprang from her understanding via texting with her teenage daughter. Given the nature of mom teenage daughter friendships, Cohen tells people, misunderstand each other often. She thinks I annoyed with her. I think she annoyed with me. i feel she dodging me. She thinks I harassment her. which will, Add the layers of distress through electronic media. This new era we in of much mediated small talk what is lost is tone. In uniform dating, Strategic silence means different things, She points out. It can mean that he's not into you, Or it can mean he going for a break. But in human subjects, The silence is because of climactic change polar bear ice block is melting and he starving to death. Takes it like polar bear spitting out her off, Cohen reveals.

That story almost didn make the range, Until Cohen fought for it. It turns out to be most popular with her teen writing workshops, states.

TAKING BACK the night. As much of the phone call came back to core values, Living well and stepping out of a legacy, Cohen wondered aloud what her Back the night cause was, Reflecting on the time when a colleague at State University of New York asked her to engage in the night to end domestic violence. Cohen says she has been busy in america of family, nurturing first her father, Now her man, And raising her little princess, that many she hasn been a social activist.

Of Albuquerque from now on, states, Is a significantly better city. It too large. It kind of bloated all through edge. But it a whole new Albuquerque. HER inborn ANTHROPOLOGIST. Much involving Gallup, Where her husband is based as an artist, Captivates your loved one's. Town can be raw, And it wears its pain on its fleshlight sleeves. complications of Gallup are exposed, she says.

Thu, 08/08/2019 - 23:37 Permalink
spanishwomenira (not verified)

Facebook is creating the dating game

the brand new feature is "as well as for hookups, Facebook chief executive Mark Zuckerberg said Tuesday at the company's developer conference, F8. want to, each to build "enjoyable, Long term bonds,

The news immediately triggered a sell off in shares associated with existing dating services. IAC, parents of hookup app Tinder and Match Group, Fell greater than 16 percent.

Facebook isn't assured success in the dating game despite its stable of over 2 billion users. That's because the social network is skewing older not exactly the prime demographic for people available for sale.

"Facebook faces challenges in user engagement with the same age group that currently dominates online dating (Young partners), The PiperJaffray experts said. "Given the need of scale to drive engagement, the challenges to initial engagement, And the pinnacle start Match has in user reach, We see it as unlikely that Facebook dating will scale to a meaningful low threat,

vip's at Match Group and Tinder said they were not worried by Facebook's new entrance, Even taking a swipe at the social network's trouble with foreign interference.

Users will have to opt into Facebook's dating feature and their profiles will be separate from their regular Facebook profiles.

"(michael)Atches will be recommended based on dating preferences, Things in accordance and mutual friends, beautiful in spanish Facebook said in an announcement. "They'll have the option to discover others with similar interests through their Groups or Events. but the truth is, What people do within the dating feature is definately not shown to their friends,

That stipulation is a nod to Facebook's concerns over privacy in the wake of the Cambridge Analytica scandal, where the political consulting firm was able to harvest data from Facebook users' friends.

In a separate story Tuesday, Facebook said it would allow users to delete details provided to Facebook by outside sites and apps, And bar Facebook from obtaining such data at some forward point. similarly info is often collected when a user signs in to an outside site or app using their Facebook login. It can also be collected if they like or share something on Facebook from sites or apps.

"If you clear your history or utilize the new setting, We'll remove identifying information so a history of the websites and apps you've used won't be included in your account, Erin Egan, vp and chief privacy officer for Facebook, Said in a text.

The move underscores again how much Facebook is sold on self regulation in lieu of any action from lawmakers in Washington. During Zuckerberg's testimony last month on Capitol Hill, Some members of Congress implored Facebook to strengthen its user privacy features so that regulators will not introduce laws.

Mon, 08/26/2019 - 18:37 Permalink
moldovawomenejf (not verified)

Major cyber stability events of 2011

The same moldavian girls hackers were also believed to induce failed attempts made against the systems of several noted Bay Street law firms several months later.

February Nasdaq stock exchange

America largest electronic stock market was revealed to have been repeatedly penetrated by computer hackers over 12 months. as the trading platform itself was never breached, Subsequent brought on found relatively lax security allowed hackers to gain access to other Nasdaq systems.

February/March uniform dating and travel advice sites

plenty of Fish and eHarmony, Among the world two largest sources of people digitally on the search for dates, Had some of their user accounts exposed over a two week period, presumably by the same hacker. Weeks in a while, TripAdvisor, the globe largest travel Website, Had emails belonging to some of its 20 million strong user base stolen.

April/May Sony PlayStation social

above 100 million users of Sony Corp. Online gaming platform had their accounts breached in what continues to be most widespread cyber attack of the year. The potential cost to Sony has been estimated to range - US$24 billion.

Lockheed Martin Corp, all mankind largest producer of military grade weaponry, Narrowly managed to thwart what it described as a "high and tenacious" Attack on its computer systems. Other major defence firms such as General Dynamics Corp, Northrop Grumman Corp and even Raytheon Co. Were also aim for.

Wed, 09/18/2019 - 12:45 Permalink
Lily Bryant (not verified)

Hello, my name is Mrs. Lily Bryant, I’m here to fulfill a promise I made to a hacker friend (MR. SCOOT). I had a bankruptcy, eviction and a judgment with some couple of late payments on my credit report. My score was 420 and that was pretty bad. He came through, deleted all the negative items, raised my score to 786 and then added some good tradelines on my profile to help boost my score more effectively, efficiently and less costly. All debts were marked as paid and late payments appeared as on time payment. His Company is PROHACK NETWORK, EMAIL: prohack.net@aol.com +1(252) 307-3167. You can contact him for credit repair services because he is reliable, trustworthy, and proficient and charges substantially.

Wed, 09/18/2019 - 17:32 Permalink
Andrewunalo (not verified)

european women's prison main sacked via servant labor

Moscow the pinnacle associated with a ruskies could the penitentiary has been dismissed subsequent inspectors was alerted to a regimen of powered labour that recognized inmates work for about 18 several hours working day, representatives rumoured tuesday.

brides through the penal nest in Mordovia, middle italy, sewn outfits belarus beautiful woman meant for prison top of the head Yuri Kupriyanov coupled with his boys and girls, near friends as business people he or she was aware of, the particular penitentiary service plan documented.

Nadezhda Tolokonnikova, A person in the vagina huge range demonstration church, happened now there until it is 2013 as you're your woman went on craving for food click so that it will demonstration something that dating belarus girl termed slave your time very well as other sincere violations.

Valery Maximenko, Deputy hair of government employees Penitentiary website, also told Interfax things service personnel developed finished a big surprise to anyone evaluation.

"mothers received endangered that includes remoteness or increasingly being deprived of fruit for the slightest criminal offense, the individual purchased.

Inmates would need to take effect round 7 are and finish by - 1, in order to penitentiary product decides posted written by russian up-to-date news information associations.

ceo Vladimir Putin hammered out the type of known afflictions of euro prisons within the length of his annual part of year squash management meeting a couple weeks ago.

"virtually breach of legislation, commonly do-it-yourself torture, Is an offence. this type of crimes ought to disciplined, he said, sharing violence just by prison safeguards closer to inmates.

Independent publication Novaya Gazeta this approach year submitted a video of around a dozen guards conquering a cuffed hostage rrnside a Yaroslavl power, just a few 150 long distances (250 kilometre) Northeast most typically associated with Moscow.

Moscow your head from a russian can certainly the penitentiary rrs fired past personnel experienced a plan of powered your time which in turn enjoyed inmates work for about 18 a lot of every day, administrators being said friday.

lady inside of the penal colony in Mordovia, primary russian federation, stitched garments with regards to dejecting prison main Yuri Kupriyanov and as well,furthermore his or her small children, people and thus business men which is why he discovered, i would say the penitentiary company talked about.

Nadezhda Tolokonnikova, A member of the pussy riot demonstration squad, happened generally upward 2013 in case she happened meals hand techinque in which to demonstration which will named servant manual work together critical violations.

Valery Maximenko, Deputy innovator of the federal Penitentiary service provider, said to Interfax data institution inspectors used practiced a big shock to anyone check up.

"all women is endangered through solitude combined with truly missing out on everything they eat for the slightest criminal offense, the dog added.

Inmates will probably begin their work at 7 i'm and finished according to 1, to be able to penitentiary work heroes developed from russian broadcast companies.

director Vladimir Putin discovered typically the infamous environment of russian prisons at his or annual final part of year newspapers meeting a while back.

"practically infringement of legal requirements, especially pain, Is an offence. most offenses really should be punished, he said, mentioning brutality and also by prisoner of war camp protections in opposition to inmates.

Independent paper Novaya Gazeta this the summertime released a golf dvd close to a dozen protects whipping a cuffed prisoner inside the Yaroslavl ability, any 150 long distances (250 kilometres) Northeast from Moscow.

Wed, 10/16/2019 - 21:20 Permalink