How Does One Stop A Collection Agency From Harassing Calls
The way to stop a collection agency from calling/harassing is to ask for proof of validation. A collection agency may not contact a debtor until this validation (and verification) process has been completed. If a collection agency continues to call - one is entitled to $1,000 per violation (per call), so be sure to record every call as proof of such violations in court!
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In states that have this statute, one cannot file under state statutes against a bank [original creditor]. Federal statutes like FDCPA are still available.
IRS is Not an Agency of The Federal Government
The IRS is not an agency of the Federal Government and the Federal Government has stated so in open court. This fact was presented in the United States District Court for the District of Idaho, Civil No. 93-405-E-EJL, DIVERSIFIED METAL PRODUCTS, INC. ...
What If One Never Received A Collection Letter
In the event that a consumer has never received a collection letter from a collection agency, a collection entry (also known as "tradeline" or "TL") on a consumer's credit report can be considered an "initial communication" triggering a consumer's ...
The Collection Agency Sent The Account Back To The Original Creditor
Despite what a letter may say (see example attached) about a debt collection agency "returning the account to the original creditor" - it's just not true. Should one receive a reply like the attachment, continue with the debt removal steps as usual ...