Collection Agency Not Licensed to Collect in my State

Hi Aaron,

Thanks for your response. I pulled a listing of every collection agency licensed to collect in the state of Arizona from an official state government website. None of the names this shady agency goes by is listed. I did file a complaint with the AZ state attorney general's office and plan on sending them a debt validation letter, including a request for proof that they are licensed to collect in this state, which they obviously cannot provide.

Are there additional steps I should take? This is a very aggressive collection agency, and they are not above illegal tactics... I just fear that they will give me a hard time...

Thanks for the response, Aaron.

I sent them a dispute letter via certified mail on the 24th of June. They are in California, I am in Arizona. I still have not received proof of delivery, so I am wondering if they could refuse to sign...? Then where does that leave me? I filed a dispute with Experian on the premise that they are not licensed to collect in my state; however, as usual, Experian sided with the collection agency and the entry remains on my credit.

Do I have any options here? I have filed a complaint with my Attorney State General's office.... Not sure where else to go with this one...

Thank you.

I did track the package online at USPS.com, and it was delivered on June 21st, although I did not receive a green return receipt. I assume at this point the collection agency has until June 21st to validate the debt, correct? At this point, I have disputed this about a million times via Experian and it has come back verified each time - Experian is a real headache to deal with.

Assuming that this shady collection agency doesn't validate and prove they are licensed to collect in my state by the 21st of July, what are my next steps? Thank you again.

cinnamngrl, that is not even true. CAs have 30 days to validate the debt. If there was no time limit for the CA, then they would have no incentive to validate ANY debt and thus likely wouldn't.

Also, you are asking questions that I have already answered and are honestly not being very helpful. The answers you are providing me are inaccurate and, again, you are obviously not even reading my posts as all information you requested was posted by me. I'll wait for an answer from another member of this board, thank you.

I also live in Az so I can be of some help. You can also file a complaint with the AZ Dept of Financial Institutions(where I'm assuming you found out the CA was not licensed) there is a form on the website you can fill out and mail in. I believe they'll actually send a letter to the CA asking them to cease activity or be fined.

Also, there is no time frame for a CA to validate a debt. However, YOU have only 30 days from receiving a letter from them to request validation. Though in my experience, I've asked for validation after 30 days and it was either validated or removed from my report.

Hope this helps some.

I am not logging in because I misplaced my username and password, unfortunately, and it is far easier to respond as a guest than to go through trying to recover this information.

Second, I omitted the name of the OC and CA because I didn't feel it relative; however, if you feel that it would help, the OC is Allied Cash Advance and the CA is Marauder - one of the worst. I have never had a payday loan in my life, but fighting this and disputing with the bureaus as not mine is not working. Somehow, the CA keeps verifying the info, though Experian is reluctant to tell me exactly *what* they are verifying. The date of the first delinquency is not listed on my CR, but the date opened shows as 08/2009. Again, I have never had a payday loan in my life so I can't very well verify a date that doesn't exist to me, if that makes sense. I do have all my credit reports and am meticulous about staying on top of everything. This is a real thorn in my side and I'm not quite sure what I need to do here.

Everything that I have ever researched has stated that CA has 30 days to validate a debt...

I don't believe this is identity theft, as the OC has no knowledge of this account and this is the only negative/inaccurate account on my CR; this CA has a long-standing reputation of reporting innacurate information and is just an all-around headache. Experian continues to verify the information as accurate, and I really don't want to pay this shady CA for something I don't owe... I'm really at a loss here, especially if I am indeed incorrect on the DV period...

It is not true that that the collection agency has 30 days to validate the debt. There is nothing in the law which states the time limit that a collection agency has, to respond to a dispute in question.

cinnamngrl, not upset at all and I sincerely appreciate your help.

It's been reported since around November or so of last year. I did indeed file a claim online with my AG and they sent me a letter stating that my claim was better handled by another agency. This was over a month ago and nothing has happened since.

This CA has called my work and told coworkers, including my boss, that I write bad cheques, that I am going to jail, has yelled/sworn/etc to myself and others... Sigh. It's a mess. :(

Not sure how I could possibly document it, it would basically be a he said she said situation. I was sitting next to my boss when he spoke with the rep from the CA and heard the terrible things he said, but without a recording I'm not sure what I could possibly prove here. The CA also told me that I was writing bad cheques, would be going to jail, and went so far as to misrepresent themselves as the IRS stating that I owed the money for back taxes. Of course, I can't prove this.

The AG said they sent this information to an agency with the name "Financial" in it... I cannot remember off the top of my head and do not have the letter handy.

ETA: I never did receive a debt validation letter from the CA, but today I got a settlement letter for 50%..... Not sure what to think about this one...

sdchargers, so what did you do? Experian won't remove anything and are a PITA to deal with in the first place. When I asked them what the heck it is that they were verifying with this particular CA, they wouldn't tell me.

I am wondering if I should just give this POS CA their measley hundred bucks in exchange for a pay for delete and just move on... Sigh.

there is no 30 day limit .. the way to make this work to your advantage ... if CA does not validate .. dispute with bureaus ... if they verify .. they're in violation of the FCRA ... verifying the debt is considered "continuing to collect"

Per FDCPA burden of proof lies on the debtor! the CA has proof of debt in documentation provided to them by the lendor all the time. You have to show them it wasn't you and you don't owe within 30 days. Not the other way around. They justy have to show and explain the debt claimed! Federal guidelines over ride your state!

Fact is that most of the complaints I see in these forums are people that DO owe the bill and just don't want to pay it. Any CA is just doing a job and trying to make a living. Simple fact is if you owe it work it out and mostly you can wheel and deal and settle to pay less than you owed. If it really isnt your bill then show them where your id was stolen or that they have incorrect information about you and move on with life of paying bills that you do owe!

I have found out that this company is not licensed in Ohio and I do have a payday loan that was turned over to them but what options do I have as far as payment arrangements. Thay are very very nasty

If the collection agency is not licensed in your state, then you don't have to make payment arrangements with them. Who is the payday loan lender?

GTlZKq Major thankies for the post. Fantastic.

Acetaminophen may not relieve lower back pain

Doctors often suggest taking acetaminophen for low back pain relief. But in order to a new study, The popular painkiller isn't any easier in alleviating an aching back than letting the pain naturally subside.

A study published Thursday in The Lancet found patients who took acetaminophen for back pain had the same recovery time as those who took a placebo, Or sweets pill. case study was partially funded by GlaxoSmithKline, A company that models drugs containing acetaminophen.

Researchers australia wide looked at 1,643 patients with acute upper back pain. Each was assigned completely to another group for the experiment. The first group of 550 patients took six 665 milligram tablets of acetaminophen a day and as well one to two placebo tablets.

A second group of 546 patients took six placebo tablets a day and one to two 500 milligram tablets of acetaminophen as required. The third group took all placebos.

good National Institutes of Health, Low back pain is the actual cause of job related disability. already, The NIH recommends that people experiencing low back pain take over-the-counter pain relievers such as acetaminophen or ibuprofen. The NIH also advises these patients to stop normal exercise and apply heat or ice to the affected area.

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Air Jordan 11 Low IE Navy is apart of Jordan Brand Fall 2017 arrangement. Also releasing is the Fire Red edition which is tied to jordan, However this pair is an innovative new colorway. Jordans 11; This Air Jordan 11 Low IE features a Midnight Navy and White color a combination,price tag air jordans. Navy covers the uppers while made with leather on the base and suede on the overlays,cut-rate jordans. additional we have White which runs across the mids

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Opioids have not been found to work for long term chronic pain. for anyone who is studies to support that. There are weak studies performed so you can use some aspects of its use but not much. This aside from the serious side effects of immune suppression, brittle bones, Opioid activated hyperalgesia, And sex hormone problems make it a drug a lot of us pain doctors don want to prescribe. Patients don seem to get it. You wouldn want a statin that didn the cholesterol would you? How about one really caused the SE listed above? You wouldn still do it? A PCP surely wouldn write it is going to they if they knew that? as a consequence, Why do you keep expecting it when we explain why we won write it?

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The fishing's been excellent for dating

When Markus Frind sat down at his home computer in 2003 to make a website, The British Columbia Institute of modern advances graduate had only one goal: To teach himself a computer programming language to help pad his rsum. But a decade eventually, His programming exercise has grown into one of the largest dating websites available, With more than 50 million new users visiting Plenty of Fish more than 430 million times each month. In nova scotia alone, close to 400,000 people log in every.

With romantic days celebration coming up, PoF's founder and CEO spoke with The Globe and Mail about his cyberspace success, The crucial element required to create an effective profile and the changing nature of dating foreign girls.

The key is to explain yourself but not go too long. Get down to the tips: What you may want, what type of person you are. Even more essential, Go out and message the types of people you like instead of waiting for most people to come message you.

What is the commonest mistake that people make?

The most common mistake is that they don't put enough effort into their profile, Or they don't clearly describe what they're seeking out, Or what they desire. I think that comes down to plenty of folks not really knowing what they want.

How does stacks of Fish's matching system work?

We look at record numbers of people who left the site in relationships and we look at what combinations of attributes made them successful. eg, We know that a doctor does not ever date a carpenter; It just doesn't happen in our system. We collect millions of those mixtures of things that can never happen, And we basically eliminate all the people you will not date.

How many unions are formed through the site?

I don't have biggest banking stat, however over 600,000 the best yea suitabler, Where people leave the web page and they tell us. That's excluding all the people that don't tell us.

Do you have any interesting or notable statistics that relate to Canada accurately?

It's pretty comparable across Canada, [simple fact that] Edmonton and as a result Calgary, We have large quantities of singles there, Percentage wise rather than everywhere else. it's mostly because those are singles towns; considering the oil boom and whatnot it's harder to meet people.

valentine's day is coming colombia lady up. Does the web page see any patterns, that include dips or spikes, Over certain annual vacations?

as normal, We see a 15 or 20 per cent increase from two days after Christmas and it goes all the way until the Wednesday after evening of romance. We see a huge surge in the number of people wanting to get dates, endeavoring to meet people [Over the holiday season]. We're sort of having our peak season now, And then the Wednesday after valentine's it will go back to normal.

What have been the leading changes to the site lately?

No one was simply by using a mobile device [For a large amount of Fish, Two often]. In recent times, About 60 per cent of our users now access and also from an Android or iPhone using our apps. All online dating are likely to be mobile in the next year or so that's the huge thing. We also launched top potential clients a few weeks ago, Which basically shows all the people you have communicated with and then we predict which one of those you're most likely to initiate a relationship with and also stay in it.

Is it too early to say how successful that come with is?

We know it's successful because we're predicting based off the scores of people who already left the site in relationships. If 100 people experience you, There is a 17 per cent chance the single person that we pick is going to be the one you end up dating. It sounds great and everything, But when you approach it, We just go and eliminate all the employees you don't date, And you're left with a really small pool of people we can pick from.

seen of any weird stories or matches on the site?

I always think it's weird when people get matched up and married in two weeks or something.

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the pet The Globe and Mail's comment community. This is a space where subscribers can engage alongside one another and Globe staff. Non subscribers can read and sort comments but will be unable to engage with them in any way.

myspace is blowing it

While waiting for my coffee to brew this morning, I checked my fb News Feed on my iPhone. But instead of amusing updates from acquaintances, In just just a few flicks of my thumb, I was bombarded by not one, certainly not two, But three different advertisements for online dating services. I know she's just an advertisement. But I'm still terrified of that woman. I have nightmares getting crushed by her mammary glands, pushed to death like a boa constrictor kills a wild pig. merchandise online, a couple of years later, soon (and uncoincidentally) immediately Facebook's IPO, She occupied my News Feed. as soon as, I dutifully manifested itself "Hide this ad" moreover "mask all, Albeit this time if we do less faith in the honorable intentions of Facebook's ad targeting algorithms.

and now she's in my phone. And there's more? In Facebook's smartphone app, There is no option to hide all sponsored ads from some advertiser. Your only choice is the basic option you have with whichever post you can mark it as spam. expected, Reporting posts as spam will decrease the chance that you see them, But I'm afraid I've seen zero positive change in the frequency or content of Facebook's sponsored story ads, Despite what the facebook claims. Instead I am getting more of the ads i don't want on my phone, After years of telling Facebook I don't like exactly those kinds of ads. this may not an encouraging trend line.

by the point the first trickle of caffeine had woken up my synapses, I realized that I was over. I had reached my showing point. I no longer want to check Facebook on my cell phone. i'm sorry, sign Zuckerberg, But my iPhone screen will not be big enough for those breasts.

And the globe shook. Nay, the heavens trembled, And the gods on Mount Olympus sat uneasy on their thrones. Because if little old me no longer wants to check Facebook on my cell phone, Then it's high time for Zuckerberg to cash in his share. Because online social networks is doomed.

. I am not opposed to web marketing. I recognize that everyone needs to make a buck, And customers with rock-bottom prices a price to pay for "free" legal services. I am totally cool repair. just about anybody, I have actually always been hopeful about the prospect for well targeted web marketing. as an example: I am an avid cyclist I post on Facebook about cycling related stuff on a daily basis. I would not mind in the least if my News Feed was interrupted with ads alerting me to good bargains on cycling gear. Are you being attentive, REI?

But all around, I do not talk over my romantic life on Facebook. I have certainly expressed zero interest in online dating services for without interruption I've been on Facebook. Quite the opposite, I have done everything in my power to actively indicate to Facebook that I do not want to see ads for online online dating services. fatally! they make me feel bad! Facebook's algorithms seem to have decided that I am so desperate for female companionship that by far one way to monetize my attention is to encourage me multiple times cute spanish girls a day to seek a hookup with women who seem to have only one significant distinguishing characteristic. this advice affronts me, Both on my own account and for my entire gender. Does Facebook really think so little of me? Am I not man enough to seek my own exotic path without Facebook's help?Facebook's complete and utter failure to discover how best to target me is bad enough. Facebook is supposed to have the most complete and recent picture of my likes and dislikes, And yet it wouldn't figure me out, even the least bit. It's just spamming me based on my romanntic relationship status. But you're able to send incompetence is disastrously compounded by its decision to give its users less freedom in configuring their mobile Facebook experience than is true for the desktop. automagically, Facebook is declaring that the mobile experience personal computer constrained, Less in order to, And significantly more obnoxious.

That a lrage benefit. All the available data indicate that we are increasingly accessing the online world through our phones. The migration from desktop to smartphone has happened stunningly fast. I've been right there all the way, For the same reason as all the others. It's super useful and inexpensive! I enjoy catching up with my daughter while I'm standing in line at the grocery store. It feels like a minor life enhancement.

Or at least it did until this morning, When simplicity of use and utility were trumped by annoyance and disgust. today, I realized that straight away where I was waiting for my coffee to brew, I would be almost certainly going to click on a different app to satisfy my endless craving for distraction.

That may sound like a little thing, Hardly the validation for a blustering, Unhinged observation. But for myself, That moment of annoyance marked a tipping point the initially I looked at my phone and saw a jail cell, Instead of an empty frontier. If my behavior is in any way associated with other Facebook users, Then Mark Zuckerberg is steering in a different direction. Any online service that depends on advertising revenue for the bulk of its profits must discover how to generate cash from mobile eyeballs. But it must do so devoid of having pushing users away. Facebook's entire financial future depends on making the mobile experience eye-catching, Not depressing. If Facebook continues to clog up our News Feeds with badly targeted advertisements while allowing us less opportunity to indicate what we consider acceptable, Our eyeballs will go at the neighbors. (Who is probably a perfectly nice person in the real world.).

After internet dating in three countries

/r/OkCupid is moderated for superiority, Which means submissions or comments that provide little to no value if education, argument, Or pleasure may be removed at the moderators discretion.

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That American adult dating sites (not less than okc and pof) Are the only ones where nearly every profile is attempting to be the most witty, Sardonic, life, And silver tongued on the website. Everyone has been to Machu Picchu many times, And in case you haven you ain shit. Everyone has an endless list of bands and movies that you not cool enough to understand. complete thing,entire to "Explore this town, Some redditor profile here starts off with her penchance for piratey actions, Boarding individuals, And summary executions: adorable, But trying way too hard.

but in Asia, Nobody does that shit. You say types of person you are, something you do, genital herpes into, moldova ladies And what you seeking for. Very truthful.

for some, You better have an opening line comparable to Shelley or Byron or you ain getting shit. a fairly easy "Nice to setup an interview, I anyone" Will get your ass laughed on vacation like Pat Bateman trying to reserve a table at Dorsia in an hour.

u. s women, 99% of the time will not approach you online unless you have the hippest most indie profile. I had a great answer rate on okc, But only ever received one freely given message that led to a date. American women act not the same offline, conversely.

but also from Asia, Women online are typically quite aggressive in their approach. equally, the actual "Hey my name is blah, Nice to setup a meeting, Blah blah blah" Is very most suitable.

Have any of y that have lived in other countries noticed any difference in the online dating scene?Haven you noticed how remarks web based are often clever, humorous, etcetera, People sit behind their computer for long periods of time coming up with great responses to discussions, worries, for example.

Now compare by purchasing real life. many people are not that quick witted. genuinely, I would say the average joe is actually pretty stupid, reluctant witted, And nada clever. If OKC profiles composed of what people had to think of right on the spot, most women be lame, humdrum, and, Like you mentioned. in fact, everybody wants to prove how hilariously witty they are, So they these involved profiles that in no way resemble them. I been on a few dates from OKC and almost never is the person as I expected them to be, Based off of what they wrote. Very realistic.

If this taken place, Every collection, Among the subset I am fascinated about, Would be the exact, Every message from that subset would be still the same, And we would all be selecting merely on physical appeal amongst myriad similar profiles. or simply I only want to date girls named "Hannah" and can select by that.

it looks, Judging by these activities and interests we define ourselves by and seek compatibility through, We are the same on the level that a profile can dig to. that is certainly why superficial profiles that use descriptive cliches, Per OP choice, Fail so faithfully. All that witty diction and personal passions the OP is trying to degrade is where our puzzle pieces are really shaped and fitted. We are all snowflakes once you include that.

correct now, usually the "I a snowflake seeing that I did X, Unlike all you sheep, verse, that is why, That is misguided and laughable. Uniqueness for uniqueness sake is a reasonably modern invention, And not too valid for art or people, unneeded.

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