Collection Proof

what do I do after 30 days has passed and a collection company could not provide me with proof of debt?

I sent a written notice to a collection company asking them to provide evidence of a debt or right to collect. they have not. what is the next step to get them to stop calling? I am not the debtor they are looking for!

Under Federal law, you have the right to request documentation proving that you actually owe the debt being claimed by a collector. If you have any doubts as to the validity of a debt being asked to pay, you can dispute the debt in writing (this process is also called “requesting validation”). Once you have notified the collection agency of your dispute, it is required to cease all collection activity until it has responded to your request by providing documentary evidence, such as a signed credit agreement, demonstrating that you are the person who is responsible for the debt. Below are two letters which you can use to help you in disputing your debt with a collection agency.

You should send the creditor a Notice of Insufficient Validation: Frequently, collectors will respond to a request for validation with nothing more than a computer printout of the balance owed. Generally speaking, this is not sufficient proof of the debt. If you receive a response to the first letter which you think is insufficient, you can use the sample letter (see link below) to put the creditor on notice that it has not satisfied its obligations to provide proof of the debt.

If you do not receive a response to your debt dispute letter, failure to validate debt, within a reasonable time (usually 30-60 days), or if the creditor continues its collection efforts without validating the debt, you can use this letter to notify the collector that it is legally required to stop its collection activity against you. Having sent the debt dispute and following up with this letter, may put you in a better position if the creditor refuses to stop its collection efforts and you are forced to file a complaint with the FTC, your state Attorney General’s office, or even to file a lawsuit against the collector for violation of the FDCPA. Please see the second link to get a sample letter that you can use for this.

I wish you the best of luck. I hope that the information I have provided helps you Find. Learn. Save.

Best,
Bill

http://www.bills.com/

Collection Proof

Pyrex 6021224 Storage 10-Piece Set, Clear with Blue Lids $14.99 Transporting foods for lunches and picnics and storing leftovers for reheating is a cinch with the Pyrex Storage Plus set. Included in this set are two 2-cup rounds, one 3-cup rectangular, one 4-cup round, and one 6-cup rectangular storage piece, all glass, with plastic covers. Pyrex glass doesn’t warp, stain, or absorb odors, and can be used in the oven, microwave, oven, refrigerator, or freezer …

Rachael Ray Hard Anodized Nonstick 10-Piece Cookware Set, Orange $159.95 Like her dynamic cutlery, Rachael Ray cookware first enchants the eye before you even realize how well you can cook with it. The handsome charcoal-gray, hard-anodized pots and pans feature shiny stainless-steel handles wrapped with neon-orange silicone grips that practically glow with the kinetic energy of this celebrity chef. It’ll come as no surprise that orange is Ray’s favorite color. A smile …

Cuisinart CBT-1000 PowerEdge 1000-Watt Die-Cast Blender with 64-Ounce Jar $189.99 Equipped with a 1000%2Dwatt motor%2C this durably built countertop blender delivers the power needed for everything from blending up fruit smoothies before work or protein shakes after a work out to pureeing soup for dinner or mixing up frozen beverages when gathering with friends on a Friday night%2E The machine%27s Power6 TurboEdge design creates a strong vortex for thoroughly blended ingredient…

Love Deluxe $4.29 9 remastered tracks….

Cher – The Farewell Tour $7.70 If her 2002 tour really was her last–and after being “an evil frickin’ diva for 40 frickin’ years,” as she puts it, she just might mean it–Cher has definitely left us something to remember her by. In the course of this 92-minute concert (plus loads of extra features), she wears enough different costumes and wigs to outfit a small (if rather odd) town, surrounds herself with dancers and acrobats …

Mary J. Blige My Life LIMITED EDITION CD Includes 3 Bonus Songs and 2 Exclusive Songs $16.47 Special version containing the three bonus tracks from the deluxe edition plus two additional exclusive songs: “You Want This” & “This Love Is For You.” Seventeen years after Mary J. Blige’s breakthrough LP, My Life, the wiser R&B queen is back with a sequel: My Life II…The Journey Continues (Act 1). The album’s critically acclaimed first single, “25/8″ released on August 25th entered the R&B ma…

Suncast DBW9200 Mocha Wicker Resin Deck Box, 99-Gallon $111.96 This durable Wicker-Style Resin Deck Box from Suncast gives you an attractive place to keep cushions, garden tools and pool accessories dry. Contemporary wicker-style design. U.S.A. Material Type: Resin, Water Resistant: Yes, Gallons: 99, Dimensions L x W x H (in.): 50 x 25 5/8 x 25 1/2…

Magid TE195T-M Terra Collection Professional Rose Gardening Gloves – Womens Medium $15.99 With a puncture resistant, synthetic leather, padded palm and reinforced fingertips, this rose glove provides what professional rose gardeners need most – strength, durability and comfort. The elbow length gauntlet cuff protects forearms from cuts and scratches, and the knuckle guard provides added protection from thorny plants. Form fitting spandex back for maximum comfort….

Magid TE194T-L Terra Collection Professional Rose Gardening Gloves – Mens Large $17.99 With a puncture-resistant, synthetic leather padded palm and reinforced fingertips, this rose glove provides what professional rose gardeners need most strength, durability and comfort. The elbow-length gauntlet cuff protects forearms from cuts and scratches, and the knuckle guard provides added protection from thorny plants. Form fitting spandex back for maximum comfort….

Grindhouse (Two-Disc Collector’s Edition) [Blu-ray] $15.96 Loud, fast, and proudly out of control, Grindhouse is a tribute to the low-budget exploitation movies that lurked at drive-ins and inner city theaters in the ’60s and early ’70s. Writers/directors Quentin Tarantino (Kill Bill) and Robert Rodriguez (Sin City) cooked up this three-hour double feature as a way to pay homage to these films, and the end result manages to evoke the down-and-dirty vibe o…