scott lowery law firm constent harrasment, infating bill, tusla, Oklahoma

also visit www.budhibbs.com and read about these scumbags!

If you don't send it "Certified, Return receipt requested" they'll simply ignore it.
Send another "Cease Communications  letter  But this time send it registered and include the Number
in the body of the letter, then if they Ignore it, You've got them, and you can SUE THEM.

Keep a copy. (Of course)

Janet,

The first thing you need to do is to learn how to separate the issues. Keep it simple.

And, it makes no difference what the debt was for, and makes no difference that it was charged off.

The ONLY factor that determines whether or not the debt is legally collectable is "statute of limitations" in your state.

FYI..."Charge Off" is mandated by federal law to protect the debtor from outrageous interest rates and fees from running indefinitely. Charge off occurs 180 days after the debt has seen its first major delinquency, which is usually 30 days. Therefore, in most cases a debt deemed "uncollectable" will be charged off in 7 months total.

A charge off does not make the debt legally uncollectable.

Also, you should get someone else to write any letters for you because your writing lacks basic third grade skills in spelling, grammar, and composition.

The first letter you need to write is a CEASE COMMUNICATIONS request. This is a legal request under the provisions of the FDCPA which is federal law. Send this letter via certified mail, return reciept requested, and be sure to put the certified# in the body of the letter itself.

Now, pull your credit reports from all 3 bureaus and see if the collection is on them. Do any disputes directly with the credit bureaus under the provisions of the FCRA. Send by the means stated above.

Now, you have documented your dispute, sent by certified means, in compliance with federal law. Now you wait. If they contact you again, other than the serving of a summons, or to notify you that they have taken the requested actions, etc. they are in violation of the law and you now sue them.

This agency is a bunch of real lowlife, and you can read all about them on several different sites with just one simple web search.