Capital Acquisitions & Management Company ripoff fraudulent illegal billing deceptive company Rockford Illinois

Call the number on the letter and speak with the person whose name is referenced. Find out for certain what "debt" they are attempting to collect.

If, for whatever reason, you believe this is not legitimate, inform that person that you will be sending off an initial dispute letter.

If you should find that this a debt discharged in bankruptcy, include that information in the letter, along with any relevant information proving this. Send this letter certified mail, return receipt requested to the STREET ADDRESS, not the PO Box. Should they attempt to contact you IN ANY WAY after this, you can sue both them and the company who sold them the information for violation of the Federal Debt Collection Practices Act and other violations.

Good Luck!

Call the number on the letter and speak with the person whose name is referenced. Find out for certain what "debt" they are attempting to collect.

If, for whatever reason, you believe this is not legitimate, inform that person that you will be sending off an initial dispute letter.

If you should find that this a debt discharged in bankruptcy, include that information in the letter, along with any relevant information proving this. Send this letter certified mail, return receipt requested to the STREET ADDRESS, not the PO Box. Should they attempt to contact you IN ANY WAY after this, you can sue both them and the company who sold them the information for violation of the Federal Debt Collection Practices Act and other violations.

Good Luck!

Call the number on the letter and speak with the person whose name is referenced. Find out for certain what "debt" they are attempting to collect.

If, for whatever reason, you believe this is not legitimate, inform that person that you will be sending off an initial dispute letter.

If you should find that this a debt discharged in bankruptcy, include that information in the letter, along with any relevant information proving this. Send this letter certified mail, return receipt requested to the STREET ADDRESS, not the PO Box. Should they attempt to contact you IN ANY WAY after this, you can sue both them and the company who sold them the information for violation of the Federal Debt Collection Practices Act and other violations.

Good Luck!

Attempting to Collect Debt Discharged in Bankruptcy May Violate FDCPA

Description Court refused to dismiss a suit brought by a debtor whose debts had been discharged in bankruptcy. A bank bought a discharged debt and attempted to collect the debt. That may be a violation of both the Fair Debt Collection Practices Act and the Bankruptcy Code.

Topic Consumer Protection
Key Words Fair Debt Collection Practices Act; Bankruptcy;

Discharged Debt
C A S E S U M M A R Y

Facts Wagner filed Chapter 7 bankruptcy and received a discharge of her debts in 1997. Among the debts discharged was a note secured by a mortgage of real property. After the discharge, the note and mortgage were assigned to Ocwen, which is in the business of buying and collecting defaulted debts. Ocwen attempted to collect the discharged debt from Wagner. She sued, claiming violation of the Fair Debt Collection Practices Act for attempting to collect money from her that she did not owe. Ocwen moved to have the claim dismissed, contending that her only remedy would be under the Bankruptcy Code.

Decision Motion denied. Since Wagner's debts had been discharged, she was not a debtor to Ocwen, who attempted to collect money from her. Ocwen's claim that only the Bankruptcy Code, but not the Fair Debt Collection Practices Act, could apply is incorrect. Both laws can be violated at the same time. Ocwen could be found in contempt of the Bankruptcy Code and in violation of the FDCPA. "Wagner's FDCPA claim, at its foundation, is no different from that of any other debtor who is dunned by a creditor who in fact is not owed any money; the fact that her debt was discharged in bankruptcy does not logically differentiate her case from that of a debtor whose debt was discharged in some other way."
Citation Wagner v. Ocwen Federal Bank, FSB, 2000 WL 1382222 (N.D. Ill., 2000)

file a complaint with the ftc at ftc.gov. click on the consumer link and find the complaint link. Camco is always collecting on BK discharged debts. You need to make your complaint right away. Do not wait as camco is under investigation and this serious crime needs to be told ASAP.