Frederick J. Hanna & Associates, PC Threaten to collect full amount on behalf of BOA Marietta Georgia

Jenny, you broke the #1 golden rule with any creditor, 3rd party agency or law firm. You acknowledged the debt by talking to B of A and Hanna. Even if you know you owe, stay off the phone and never acknowledge it as the burden of proof rests with the creditor, not you. I would view the NACA website or contact Bud Hibbs who can refer you to a local consumer defense attorney. I don't recommend defending yourself since it sounds as if you aren't entirely aware of some basic recommendations of staying off the phone.STAY OFF THE PHONE moving forward now and wish you the best.

You can do one thing before hiring a consumer defense attorney however. That is mail a dispute and demand for validation letter to Hanna's physical address certified mail return receipt requested. You will get a green card as proof they received it. A validation letter will buy you the necessary time to retain an attorney because Hanna cannot proceed in their efforts until they properly validate your debt. Do not make any demands above and beyond what is required under the FDCPA. It will only draw more attention to your account and make you look like an uneducated consumer surfing the internet at garbage sites like creditwrench that recommend demanding crap that should be reserved for discovery if you are sued. Send this letter out ASAP. You only have 30 days from 2/10/09 to send it and again, send CMRRR.Type it and DO NOT sign your name.Below is what you type and send.

To: Frederick J Hanna & Associates
From: Jenny
2/15/09

I am disputing the validity of your claim concerning the alleged Bank of America account for x amount of dollars. I trust that this request for validation will be honored in full compliance to the Fair Debt Collection Practices Act (section 809).

The Georgia Supreme Court says Hanna is a "law firm," so you have to submit a bar complaint vs. them (and not a consumer complaint with the state OCA or federal FCC -- but fine if you do that too anyway).  You may submit a bar complaint vs. Fred Hanna (the owner of the "firm") and any atty. that may have contacted you that also violated bar rules for atty.s:

(Call and ask for a bar complaint, and if they have them online):

State Bar of Georgia
www.gabar.org
104 Marietta St. NW, Suite 100
Atlanta, Georgia 30303
(404) 527-8700
(800) 334-6865
FAX: (404) 527-8717

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See below for info. on where to look for sample do-not-call letters vs. Hanna, and how to fight Hanna lawsuits and WIN (feel free to post on here too for more info.):

Info. for fighting Hanna lawsuits:

http://www.beatdebtcollectors.com/

Hanna consumer complaints and blogs:

http://nextlevelunlimited.net/blog/fredrick-j-hanna-collection-debt-or-hanna-barbera-crook-or-cartoon/

http://www.ripoffreport.com/Search/Frederick-J_-Hanna.aspx

Submit a Georgia bar complaint vs. Fred Hanna and other Hanna attorneys:

http://gabar.org/contact_the_bar/

Sample do-not-call/ validation letter vs. Hanna:

Date:  January 30, 2011

Frederick J. Hanna & Associates, P.C.
1427 Roswell Rd.
Marietta, GA  30062

Account number(s):  (See Enclosed)       
                       
RE:  Request for Validation of Debt, 15 U.S.C. § 1692g

Dear Sir or Madam:

This is my formal notice that I am disputing this debt, and requesting immediate validation under Section 809 of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, of the debt from your office.  I am requesting that your office immediately send me a copy of the following documents: (a) the name, address, and phone number of an employee of the original creditor that can validate the debt, (b) proof of who is the current legal owner of the debt, and that you represent the original creditor or debt buyer, and (c) the original signed note, contract, credit agreement, or instrument creating the debt.

I am disputing this debt for the following reasons:  this debt has not been validated.  I do not know whether your debt collection company is the legal owner of this debt or not, or if the amounts charged are valid.

This is also my formal notice under 15 U.S.C. § 1692c, to you to cease all further communications with me, my family members, and my associates and all third parties, unless I give you express permission to do so.  You have my express permission to mail me the requested validation documents to the address listed below, but I do not give you permission to contact me over the phone, or in any other way except as specifically addressed in this letter.
                    
This letter is not meant in any way to be an acknowledgment that I owe this money.


Sincerely,


John Doe
P.O. Box 0000
Atlanta, GA  30300