• Report: #676891

Complaint Review: Credit Collection Services

  • Submitted: Thu, December 30, 2010
  • Updated: Thu, December 30, 2010

  • Reported By: Eddie — Harrisonburg Virginia United States of America
Credit Collection Services
2 Wells Ave. Newton, Massachusetts United States of America

Credit Collection Services aggressive attempt to collect ASSUMED debt Newton, Massachusetts

*Consumer Suggestion: Learn the law, that "disclaimer" means ABSOLUTELY NOTHING.

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Received notice from CCS of debt to Liberty Mutual in the amount of $65.64.

Liberty Mutual is not my Insurance company or anything else and if i owed them any money, for whatever reason, then THEY should contact me and try to settle with ME! This claim is out of the blue with no basis whatsoever!

In the letter CCS states: "Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will ASSUME the debt is valid." I say that NO collection agency should ever try to collect debts that are based on assumptions. In a court of law CCS is doomed when i show the judge this letter!

This report was posted on Ripoff Report on 12/30/2010 11:43 AM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-Collection-Services/Newton-Massachusetts-02459/Credit-Collection-Services-aggressive-attempt-to-collect-ASSUMED-debt-Newton-Massachuset-676891. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Learn the law, that "disclaimer" means ABSOLUTELY NOTHING.

AUTHOR: Steve - (U.S.A.)

All you have to do is learn a little basic collections law.

Start at the FTC website, read the FAIR DEBT COLLECTIONS PRACTICES ACT [FDCPA] which regulates the third party debt collection industry.

That little disclaimer commonly referred to as the "mini miranda" means nothing at all as far as your rights under the law. It simply means that if they don't hear from you in 30 days, they will continue collections actions. Don't read into it. It means nothing.

Even if you do not respond to that letter in any way, your legal rights are unaffected. The whole purpose of that "disclaimer" is to confuse you, and even intimidate you into contacting them and/or just paying the "debt".

The first thing you want to do is to realize the need to STAY OFF THE PHONE!! Never speak to any third party debt collector on the phone, as it can ONLY hurt you. STAY OFF THE PHONE!!

It makes no difference if the debt is yours or not. Totally irrelevant.

The law puts the entire burden of proof on them to prove that you actually owe the debt. That legal burden of proof is NEVER on you to prove that you don't owe it.

Here is how you absolutely ruin a "junk debt buyer's" day. AKA bottomfeeder.

You need to send a "REQUEST for debt validation" to get the ball rolling, legally.

This request MUST be in writing, and MUST be sent via certified mail, return reciept requested. Be sure to put the certified# in the body of the letter, and keep a copy for your records. Now you have proof of exactly what you sent for when you take them to court so you can get paid!

DO NOT sign the letter or any correspondence you ever send to any collector. These lowlife bottomfeeders have been known to forge "contracts" with your signature once you give it to them. DO NOT SIGN ANYTHING!! Just print!

In this letter, keep it short and sweet, and DO NOT disclose any personal, financial, or employment info to them. NOTHING!!

You simply put your name and mailing address at the top of the letter and the date, and then their address and phone, etc.

Now reference the letter they sent you and only that you dispute the debt in its entirety, and as per the provisions of the FDCPA you hereby DEMAND that they fully "validate" this ALLEGED debt.

In this letter be specific and DEMAND to see a contract with your signature on it, as well as a full itemization and breakdown of charges that will include dates of transactions. Remind them that they would need all of this if this was to go to court.

Now, you inform them that THEY have thirty days to respons, or you will be suing them for frivolous collection action, and the violation of your rights under the FDCPA.

Print your name.




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