Debt Recovery Solutions Anything to get paid Westbury New York

First of all I want you to know that I am NOT an attorney, but do know the laws surrounding debt collection, having dealt with debt buyers myself. Second, I understand your frustration...That being said:

It is the responsibility of the debt buyer to prove what they claim, period. They are breaking federal laws by making the claim that you are responsible for paying the debt even though you are not responsible for opening the account. They absolutely DEPEND on consumers NOT knowing the law here. They think the consumer will take what they say at face value and pay the debt.

My advice to you. Send them a certified letter requesting a copy of the contract that you signed, authorizing the this account to be created in your name. If they can't provide the proof, they cannot by law collect on it. The key here is that your request is in writing. Send it certified, with the return receipt  option. That way you have proof that they received the letter. Also include a line in the letter stating that they are not to contact you by phone at any time regarding this 'alleged' account.

Next step, find out if Virginia is a 'one party recording state'. This means that you can legally record your phone calls, and not tell the other person that you are doing it. If your state is, buy a digital recorder and record every call. MAke sure that you tell the rep that this isn't your account, and to stop calling you. If you can't record the calls legally, make notes of everytime they call, noting time  date , who you talked to, and what was said.

Next step, Go to www.naca.net and find a consumer lawler in your area. Most will offer a free consultation. Present them will the recordins, all letters sent back and forth, and copies of your credit reports. When the attorney sees all of this, they can determine the next course of action. This could end up as the best thing to happen to you. How? If there are FDCPA (the law that governs debt collection) violations,  the attorney can sue the collector and you get a payday. The collector will have to pay your attorneys fees too!!! An attorney can help you here.

Best of luck!

TO ALL WHO ARE BEING WRONGED BY THIS COMPANY:

 

COPY AND PASTE THE FOLLOWING INTO A LETTER THAT YOU WILL SEND (CERTIFIED)TO THE ADDRESS(ES) LISTED.   PLEASE FILL IN YOUR INFORMATION. BY SENDING THE CEASE AND DESIST LETTER CERTIFIED, YOU WILL HAVE PROOF THAT YOU SENT IT.      *****MAYBE IF ENOUGH PEOPLE DO THIS, THE COMPANY WILL BE IMPACTED OR A CLASS ACTION LAWSUIT CAN BE FILED******

 

Re: {ENTER YOUR ACCOUNT # HERE}

Dear Debt Collector: Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the {YOUR STATE) Attorney General’s office. Civil and criminal claims will be pursued.

 

SEND THIS LETTER TO THE FOLLOWING ADDRESSES:

Debt Recovery Solutions PO Box 9001 Westbury, NY 11590

Debt Recovery Solutions 900 Merchants Concourse Suite 106 Westbury, NY 11590