Williams Cohen & Gray Collection Agency Houston Texas

Please say that you have kept a copy of the letter that says "lawsuit". Because if you did you are in the drivers seat.

All debt collectors in the US(and an attorney attempting to collect a debt is considered a debt colllector) MUST follow the Fair Debt Collection Practices Act(FDCPA). If they violate any part of it you can file suit against them for $1000.

One of these violations is making threats of something they can not, or have no intention of doing. You can not be procecuted for a debt so that is violation number 1. Just like they can't tell anyone else why they are contacting you, they can not do is put things like "lawsuit" on the front of an envelope. Here you have them on 2 points. Not only the fact they they are inferring you are being sued, but just the fact that they wrote it on the envelope. With the envelope as proof they really have no defense.

On top of this, if you request Debt Validation and they can not prove that it is your debt. If this "debt" is on your credit report and they refuse to remove it you can sue them for violations of the Fair Credit Reporting Act(FCRA). Again for up to $1000 plus actual damages. So if this is on 3 report you could go for $3000, on top of the other $1000 for the FDCPA violations.

Please say that you have kept a copy of the letter that says "lawsuit". Because if you did you are in the drivers seat.

All debt collectors in the US(and an attorney attempting to collect a debt is considered a debt colllector) MUST follow the Fair Debt Collection Practices Act(FDCPA). If they violate any part of it you can file suit against them for $1000.

One of these violations is making threats of something they can not, or have no intention of doing. You can not be procecuted for a debt so that is violation number 1. Just like they can't tell anyone else why they are contacting you, they can not do is put things like "lawsuit" on the front of an envelope. Here you have them on 2 points. Not only the fact they they are inferring you are being sued, but just the fact that they wrote it on the envelope. With the envelope as proof they really have no defense.

On top of this, if you request Debt Validation and they can not prove that it is your debt. If this "debt" is on your credit report and they refuse to remove it you can sue them for violations of the Fair Credit Reporting Act(FCRA). Again for up to $1000 plus actual damages. So if this is on 3 report you could go for $3000, on top of the other $1000 for the FDCPA violations.

Please say that you have kept a copy of the letter that says "lawsuit". Because if you did you are in the drivers seat.

All debt collectors in the US(and an attorney attempting to collect a debt is considered a debt colllector) MUST follow the Fair Debt Collection Practices Act(FDCPA). If they violate any part of it you can file suit against them for $1000.

One of these violations is making threats of something they can not, or have no intention of doing. You can not be procecuted for a debt so that is violation number 1. Just like they can't tell anyone else why they are contacting you, they can not do is put things like "lawsuit" on the front of an envelope. Here you have them on 2 points. Not only the fact they they are inferring you are being sued, but just the fact that they wrote it on the envelope. With the envelope as proof they really have no defense.

On top of this, if you request Debt Validation and they can not prove that it is your debt. If this "debt" is on your credit report and they refuse to remove it you can sue them for violations of the Fair Credit Reporting Act(FCRA). Again for up to $1000 plus actual damages. So if this is on 3 report you could go for $3000, on top of the other $1000 for the FDCPA violations.

Please say that you have kept a copy of the letter that says "lawsuit". Because if you did you are in the drivers seat.

All debt collectors in the US(and an attorney attempting to collect a debt is considered a debt colllector) MUST follow the Fair Debt Collection Practices Act(FDCPA). If they violate any part of it you can file suit against them for $1000.

One of these violations is making threats of something they can not, or have no intention of doing. You can not be procecuted for a debt so that is violation number 1. Just like they can't tell anyone else why they are contacting you, they can not do is put things like "lawsuit" on the front of an envelope. Here you have them on 2 points. Not only the fact they they are inferring you are being sued, but just the fact that they wrote it on the envelope. With the envelope as proof they really have no defense.

On top of this, if you request Debt Validation and they can not prove that it is your debt. If this "debt" is on your credit report and they refuse to remove it you can sue them for violations of the Fair Credit Reporting Act(FCRA). Again for up to $1000 plus actual damages. So if this is on 3 report you could go for $3000, on top of the other $1000 for the FDCPA violations.

This is a scam the next time they call tell him you know this is a scam and you will report him to the FBI . Then tell them to kiss your as- and hang up on them

This is a scam the next time they call tell him you know this is a scam and you will report him to the FBI . Then tell them to kiss your as- and hang up on them

This is a scam the next time they call tell him you know this is a scam and you will report him to the FBI . Then tell them to kiss your as- and hang up on them

This is a scam the next time they call tell him you know this is a scam and you will report him to the FBI . Then tell them to kiss your as- and hang up on them