Southwestern Bell - American Agencies fraudulent billing stated I still owed them money without providing a statement specifying the charges Torrence California

I am speaking to an attorney regarding American Agencies on 09/19/03. They refuse to send me proof of debt owed in writing, call my home and leave messages claiming to be returning an urgent phone call I made and refuse to give names on message, lie to the credit reporting agencies saying my debt was validated, and charge interest on this bill of 9%. The Federal Trade commission told me the entire above statements are Fair Debt Collection Practice Violations of FEDERAL LAW and I can sue for damages and attorney fees. Here are the steps you need to take.

1) Report this in detail to www.bbb.org (Better Business Bureau), www.FTC.gov, and Your state Attorney Generals Office.

2) Call an Attorney Referral Service and ask to be referred to an attorney that handles Fair Debt Collection Violation Suits.

3) Send a Detailed Letter To the Company, Have it Notarized and sent Certified Mail Where they have to sign for it and you get mailed back the Signature card (that way they can not say they did not get Validation Request which they WILL try and say!) You can see my letter I sent which is right below this to help guide you in what to say.

4) DISPUTE THIS this Equifax, TransUnion, and Experian. They will help you get it off your report but that does not mean American Agencies can't just put it back on the report...they can, you will still need to see an attorney.

5) Keep Detailed Records of everything including dates, times, how, where, and what was said when you contact them or they contact you. Record Conversations if you can but make sure it shows on the recording that you informed them you were recording the call.

The FTC told me that unless they give validation in writing, 5 days after speaking to me, I am not required by LAW to pay the bill, they are not allowed to charge interest on bills bought, they are not allowed to misrepresent themselves when contacting you just to be able to speak to you, when you tell them in writing not to contact you by phone they can only contact you through mail and then only to inform you of action being taken, bill owed, or your rights. They may also not send you a Post Card in the mail so everyone can see your information.

People need to know their rights and if everyone dealing with AMERICAN AGENCIES followed this advice we can get this company shut down and disciplined by law!

Here is the letter Sent to american agencies:

American Agencies
2158 West 190th Street Torrance CA 90509-2829

Dear Collector,

I am writing in response to the phone conversation dated 4/2/3002 and 8/12/2003, because I do not believe that I owe what you say I owe for reasons stated below.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2/03 and 8/12/03, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of the debt you say you bought.
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers.
All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act

Since you have reported me to the credit bureaus (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.

Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit bureaus due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau, and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything.

On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit bureau that you lied and said that you validated the bill with me. I spoke to the FTC again on 9/8/03 and they said that it is illegal for a business that bought a bill to charge interest of any kind, that you must validate the debt in writing within 5 days of speaking to me or I do not have to pay, you have to place the money I give (after validation) to whatever bill I tell you to put it to, and you have to accept whatever amount I give as payment. Furthermore, when a woman from your company called my home, she told my husband that she was returning an urgent phone call I have placed with her, gave a long distance number, and the FTC said that that was another violation of Fair Debt Collection act of Misrepresenting yourself. The lady also refused to tell my husband who she was or where she was calling from.

I have contacted all credit bureaus to re dispute and told them this problem with you, called the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you on 8/17/03, and am calling around for attorneys in my state to file suite against you for the laws broken. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states.. I know the law well and will be following all legal advice.

You have 5 days to send me validation of debt owed or to take this bill off my credit reports or I WILL file suite against you as the law states I can do. Furthermore, you by law cannot charge me interest on this bill you say I owe so I respectfully ask that you take all of it off.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to, validate the debt in writing, advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

I am speaking to an attorney regarding American Agencies on 09/19/03. They refuse to send me proof of debt owed in writing, call my home and leave messages claiming to be returning an urgent phone call I made and refuse to give names on message, lie to the credit reporting agencies saying my debt was validated, and charge interest on this bill of 9%. The Federal Trade commission told me the entire above statements are Fair Debt Collection Practice Violations of FEDERAL LAW and I can sue for damages and attorney fees. Here are the steps you need to take.

1) Report this in detail to www.bbb.org (Better Business Bureau), www.FTC.gov, and Your state Attorney Generals Office.

2) Call an Attorney Referral Service and ask to be referred to an attorney that handles Fair Debt Collection Violation Suits.

3) Send a Detailed Letter To the Company, Have it Notarized and sent Certified Mail Where they have to sign for it and you get mailed back the Signature card (that way they can not say they did not get Validation Request which they WILL try and say!) You can see my letter I sent which is right below this to help guide you in what to say.

4) DISPUTE THIS this Equifax, TransUnion, and Experian. They will help you get it off your report but that does not mean American Agencies can't just put it back on the report...they can, you will still need to see an attorney.

5) Keep Detailed Records of everything including dates, times, how, where, and what was said when you contact them or they contact you. Record Conversations if you can but make sure it shows on the recording that you informed them you were recording the call.

The FTC told me that unless they give validation in writing, 5 days after speaking to me, I am not required by LAW to pay the bill, they are not allowed to charge interest on bills bought, they are not allowed to misrepresent themselves when contacting you just to be able to speak to you, when you tell them in writing not to contact you by phone they can only contact you through mail and then only to inform you of action being taken, bill owed, or your rights. They may also not send you a Post Card in the mail so everyone can see your information.

People need to know their rights and if everyone dealing with AMERICAN AGENCIES followed this advice we can get this company shut down and disciplined by law!

Here is the letter Sent to american agencies:

American Agencies
2158 West 190th Street Torrance CA 90509-2829

Dear Collector,

I am writing in response to the phone conversation dated 4/2/3002 and 8/12/2003, because I do not believe that I owe what you say I owe for reasons stated below.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2/03 and 8/12/03, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of the debt you say you bought.
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers.
All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act

Since you have reported me to the credit bureaus (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.

Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit bureaus due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau, and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything.

On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit bureau that you lied and said that you validated the bill with me. I spoke to the FTC again on 9/8/03 and they said that it is illegal for a business that bought a bill to charge interest of any kind, that you must validate the debt in writing within 5 days of speaking to me or I do not have to pay, you have to place the money I give (after validation) to whatever bill I tell you to put it to, and you have to accept whatever amount I give as payment. Furthermore, when a woman from your company called my home, she told my husband that she was returning an urgent phone call I have placed with her, gave a long distance number, and the FTC said that that was another violation of Fair Debt Collection act of Misrepresenting yourself. The lady also refused to tell my husband who she was or where she was calling from.

I have contacted all credit bureaus to re dispute and told them this problem with you, called the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you on 8/17/03, and am calling around for attorneys in my state to file suite against you for the laws broken. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states.. I know the law well and will be following all legal advice.

You have 5 days to send me validation of debt owed or to take this bill off my credit reports or I WILL file suite against you as the law states I can do. Furthermore, you by law cannot charge me interest on this bill you say I owe so I respectfully ask that you take all of it off.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to, validate the debt in writing, advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

I am speaking to an attorney regarding American Agencies on 09/19/03. They refuse to send me proof of debt owed in writing, call my home and leave messages claiming to be returning an urgent phone call I made and refuse to give names on message, lie to the credit reporting agencies saying my debt was validated, and charge interest on this bill of 9%. The Federal Trade commission told me the entire above statements are Fair Debt Collection Practice Violations of FEDERAL LAW and I can sue for damages and attorney fees. Here are the steps you need to take.

1) Report this in detail to www.bbb.org (Better Business Bureau), www.FTC.gov, and Your state Attorney Generals Office.

2) Call an Attorney Referral Service and ask to be referred to an attorney that handles Fair Debt Collection Violation Suits.

3) Send a Detailed Letter To the Company, Have it Notarized and sent Certified Mail Where they have to sign for it and you get mailed back the Signature card (that way they can not say they did not get Validation Request which they WILL try and say!) You can see my letter I sent which is right below this to help guide you in what to say.

4) DISPUTE THIS this Equifax, TransUnion, and Experian. They will help you get it off your report but that does not mean American Agencies can't just put it back on the report...they can, you will still need to see an attorney.

5) Keep Detailed Records of everything including dates, times, how, where, and what was said when you contact them or they contact you. Record Conversations if you can but make sure it shows on the recording that you informed them you were recording the call.

The FTC told me that unless they give validation in writing, 5 days after speaking to me, I am not required by LAW to pay the bill, they are not allowed to charge interest on bills bought, they are not allowed to misrepresent themselves when contacting you just to be able to speak to you, when you tell them in writing not to contact you by phone they can only contact you through mail and then only to inform you of action being taken, bill owed, or your rights. They may also not send you a Post Card in the mail so everyone can see your information.

People need to know their rights and if everyone dealing with AMERICAN AGENCIES followed this advice we can get this company shut down and disciplined by law!

Here is the letter Sent to american agencies:

American Agencies
2158 West 190th Street Torrance CA 90509-2829

Dear Collector,

I am writing in response to the phone conversation dated 4/2/3002 and 8/12/2003, because I do not believe that I owe what you say I owe for reasons stated below.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2/03 and 8/12/03, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of the debt you say you bought.
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers.
All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act

Since you have reported me to the credit bureaus (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.

Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit bureaus due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau, and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything.

On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit bureau that you lied and said that you validated the bill with me. I spoke to the FTC again on 9/8/03 and they said that it is illegal for a business that bought a bill to charge interest of any kind, that you must validate the debt in writing within 5 days of speaking to me or I do not have to pay, you have to place the money I give (after validation) to whatever bill I tell you to put it to, and you have to accept whatever amount I give as payment. Furthermore, when a woman from your company called my home, she told my husband that she was returning an urgent phone call I have placed with her, gave a long distance number, and the FTC said that that was another violation of Fair Debt Collection act of Misrepresenting yourself. The lady also refused to tell my husband who she was or where she was calling from.

I have contacted all credit bureaus to re dispute and told them this problem with you, called the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you on 8/17/03, and am calling around for attorneys in my state to file suite against you for the laws broken. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states.. I know the law well and will be following all legal advice.

You have 5 days to send me validation of debt owed or to take this bill off my credit reports or I WILL file suite against you as the law states I can do. Furthermore, you by law cannot charge me interest on this bill you say I owe so I respectfully ask that you take all of it off.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to, validate the debt in writing, advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

I am speaking to an attorney regarding American Agencies on 09/19/03. They refuse to send me proof of debt owed in writing, call my home and leave messages claiming to be returning an urgent phone call I made and refuse to give names on message, lie to the credit reporting agencies saying my debt was validated, and charge interest on this bill of 9%. The Federal Trade commission told me the entire above statements are Fair Debt Collection Practice Violations of FEDERAL LAW and I can sue for damages and attorney fees. Here are the steps you need to take.

1) Report this in detail to www.bbb.org (Better Business Bureau), www.FTC.gov, and Your state Attorney Generals Office.

2) Call an Attorney Referral Service and ask to be referred to an attorney that handles Fair Debt Collection Violation Suits.

3) Send a Detailed Letter To the Company, Have it Notarized and sent Certified Mail Where they have to sign for it and you get mailed back the Signature card (that way they can not say they did not get Validation Request which they WILL try and say!) You can see my letter I sent which is right below this to help guide you in what to say.

4) DISPUTE THIS this Equifax, TransUnion, and Experian. They will help you get it off your report but that does not mean American Agencies can't just put it back on the report...they can, you will still need to see an attorney.

5) Keep Detailed Records of everything including dates, times, how, where, and what was said when you contact them or they contact you. Record Conversations if you can but make sure it shows on the recording that you informed them you were recording the call.

The FTC told me that unless they give validation in writing, 5 days after speaking to me, I am not required by LAW to pay the bill, they are not allowed to charge interest on bills bought, they are not allowed to misrepresent themselves when contacting you just to be able to speak to you, when you tell them in writing not to contact you by phone they can only contact you through mail and then only to inform you of action being taken, bill owed, or your rights. They may also not send you a Post Card in the mail so everyone can see your information.

People need to know their rights and if everyone dealing with AMERICAN AGENCIES followed this advice we can get this company shut down and disciplined by law!

Here is the letter Sent to american agencies:

American Agencies
2158 West 190th Street Torrance CA 90509-2829

Dear Collector,

I am writing in response to the phone conversation dated 4/2/3002 and 8/12/2003, because I do not believe that I owe what you say I owe for reasons stated below.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2/03 and 8/12/03, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of the debt you say you bought.
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers.
All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act

Since you have reported me to the credit bureaus (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.

Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit bureaus due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau, and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything.

On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit bureau that you lied and said that you validated the bill with me. I spoke to the FTC again on 9/8/03 and they said that it is illegal for a business that bought a bill to charge interest of any kind, that you must validate the debt in writing within 5 days of speaking to me or I do not have to pay, you have to place the money I give (after validation) to whatever bill I tell you to put it to, and you have to accept whatever amount I give as payment. Furthermore, when a woman from your company called my home, she told my husband that she was returning an urgent phone call I have placed with her, gave a long distance number, and the FTC said that that was another violation of Fair Debt Collection act of Misrepresenting yourself. The lady also refused to tell my husband who she was or where she was calling from.

I have contacted all credit bureaus to re dispute and told them this problem with you, called the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you on 8/17/03, and am calling around for attorneys in my state to file suite against you for the laws broken. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states.. I know the law well and will be following all legal advice.

You have 5 days to send me validation of debt owed or to take this bill off my credit reports or I WILL file suite against you as the law states I can do. Furthermore, you by law cannot charge me interest on this bill you say I owe so I respectfully ask that you take all of it off.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to, validate the debt in writing, advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.