Merchants' Credit Guide ripoff Chicago Illinois

However, if it's just a pain in the neck, there are legal remedies that can not only make the calls stop, but make you a little money in the meantime.

Under Section 809 of the FDPCA (Fair Debt Collection Practices Act), the collection agency is required to validate any debt they are claiming you owe. If they cannot provide this validation, their debt cannot legally be collected.

Get yourself a lawyer that specializes in FDCPA violation. They'll see this as easy money for both of you. The agency will be subject to substantial fines if the activity doesn't cease.
In the meantime, send them a certified letter requesting they CEASE AND DESIST all collection activity.

A sample cease and desist letter can be found here (http://www.bendover.com/adiosbottomfeeder.asp). Send this letter CERTIFIED so you have proof that you actually sent it. ANY communication with them should be documented thoroughly. Don't record the calls unless you advise them you are doing so, otherwise the tapes won't be submissible (sp?) in court, but write down WHO you talked, WHAT was said, and WHEN you talked to them.

I hope this helps you out a bit. I work for a law firm that specializes in collections and I hate to see "collection agencies" tarnishing the entire reputation of our industry.

However, if it's just a pain in the neck, there are legal remedies that can not only make the calls stop, but make you a little money in the meantime.

Under Section 809 of the FDPCA (Fair Debt Collection Practices Act), the collection agency is required to validate any debt they are claiming you owe. If they cannot provide this validation, their debt cannot legally be collected.

Get yourself a lawyer that specializes in FDCPA violation. They'll see this as easy money for both of you. The agency will be subject to substantial fines if the activity doesn't cease.
In the meantime, send them a certified letter requesting they CEASE AND DESIST all collection activity.

A sample cease and desist letter can be found here (http://www.bendover.com/adiosbottomfeeder.asp). Send this letter CERTIFIED so you have proof that you actually sent it. ANY communication with them should be documented thoroughly. Don't record the calls unless you advise them you are doing so, otherwise the tapes won't be submissible (sp?) in court, but write down WHO you talked, WHAT was said, and WHEN you talked to them.

I hope this helps you out a bit. I work for a law firm that specializes in collections and I hate to see "collection agencies" tarnishing the entire reputation of our industry.

However, if it's just a pain in the neck, there are legal remedies that can not only make the calls stop, but make you a little money in the meantime.

Under Section 809 of the FDPCA (Fair Debt Collection Practices Act), the collection agency is required to validate any debt they are claiming you owe. If they cannot provide this validation, their debt cannot legally be collected.

Get yourself a lawyer that specializes in FDCPA violation. They'll see this as easy money for both of you. The agency will be subject to substantial fines if the activity doesn't cease.
In the meantime, send them a certified letter requesting they CEASE AND DESIST all collection activity.

A sample cease and desist letter can be found here (http://www.bendover.com/adiosbottomfeeder.asp). Send this letter CERTIFIED so you have proof that you actually sent it. ANY communication with them should be documented thoroughly. Don't record the calls unless you advise them you are doing so, otherwise the tapes won't be submissible (sp?) in court, but write down WHO you talked, WHAT was said, and WHEN you talked to them.

I hope this helps you out a bit. I work for a law firm that specializes in collections and I hate to see "collection agencies" tarnishing the entire reputation of our industry.

However, if it's just a pain in the neck, there are legal remedies that can not only make the calls stop, but make you a little money in the meantime.

Under Section 809 of the FDPCA (Fair Debt Collection Practices Act), the collection agency is required to validate any debt they are claiming you owe. If they cannot provide this validation, their debt cannot legally be collected.

Get yourself a lawyer that specializes in FDCPA violation. They'll see this as easy money for both of you. The agency will be subject to substantial fines if the activity doesn't cease.
In the meantime, send them a certified letter requesting they CEASE AND DESIST all collection activity.

A sample cease and desist letter can be found here (http://www.bendover.com/adiosbottomfeeder.asp). Send this letter CERTIFIED so you have proof that you actually sent it. ANY communication with them should be documented thoroughly. Don't record the calls unless you advise them you are doing so, otherwise the tapes won't be submissible (sp?) in court, but write down WHO you talked, WHAT was said, and WHEN you talked to them.

I hope this helps you out a bit. I work for a law firm that specializes in collections and I hate to see "collection agencies" tarnishing the entire reputation of our industry.