Recent content by augdog74

What is the name of your state (only U.S. law)? Iowa I had a debt of maybe $800-$1000 about 15 years ago that I couldn't pay. Over time, that debt has been passed around to different collection agencies. No collection agency has been able to answer my validation requests. I believe I sent...

Iowa I had a credit card that had a $1000 limit and this creditor/law office is demanding I pay over $11,000 dollars. I have sent them a certified letter to validate within 30 days, twice. They returned with a non-detailed little validation form like a year later. They just sent me a Fed ex...

Iowa My wife is getting calls almost on a daily basis from a collector wanting to talk to me. She tells the collector to never call again and the person (same person everyday) gets immature and argumentative with her. The person just called today and I said "Never call here again!" and hung...

What is the name of your state? Iowa I just got a copy of my free credit report. I would like to raise my credit score. I know that there is one credit card debt that has been passed around to multiple collectors. I have asked the debt to be validated twice and it never was. Can I dispute...

Should I send them another certified letter, rejecting their letter of validation and asking them to be more specific and provide a breakdown of every cent that they say I owe? I guess if I get taken to court, I want to have documentation of this debt, cent by cent.

Iowa I just received a letter of validation, after a year and a half, for my credit card. All they put on this was the following: Original creditor- $3500 Balance at purchase - $4500 current balance - $6500 They, of course, had the name and addresses of the creditors. Shouldn't this be...

Thank you.

Should I call them and tell them that?

I live in Iowa and posted a message about a year ago regarding a collection agency. In August of 2003, I sent a certified letter to Stewart & Associates requesting validation of a credit card debt. I also requested that all attempts to contact me, be via mail. I had a phone call on my machine...

By the way, what happens if they won't validate?

I appreciate the help from both of you:) I will follow your advice and send a letter of validation and keep you posted on their response. Once again, Thank You;)

Please don't get the wrong impression from me. I didn't mean to ask for advice on any loopholes that would benefit myself. I was merely suggesting that I didn't want to become victim to something they might try to pull on me, hence the reason I am visiting this board. I simply want to know...

Thank you very much for the advice Kevinss. I would just like to point out that all that extra money that I supposedly owe, was interest accrued from my original creditor. I also want to point out that this company has not called and harrassed me over the phone (yet!)-- They have been polite...

Thanks for your help, Ladynred, but unfortunately my account was started in 1997 and I found payments that I've made back in 2000. Mastercard turned the account over to First Select and now it's in the hands of Vital Recovery Systems, Inc. out of GA. What's my next move? Do I request a...

Iowa In 1997 I had a credit card that got away from me. It was my first and only had a $1500 limit. I probably used $1000 of it and couldn't keep up with it so I let it go. They finally turned my debt over to an agency and it turns out they want $4500! I talked the agency and offered them...