Recent content by cmorris

Bring all of your proof and proof you were out of town that day. Don't deny it--tell the correct day. This *may* help discredit her to some degree. Since it is small claims, you won't need an attorney.

Suing is always a LAST resort. I have never sued a collection agency, so I can't personally walk you through the process. But, you need to get a good paper trail going first. Stay off of the phone and do everything certified mail, return receipt. Do debt validation letters, disputes with the...

This should already be off your reports! On your CR, what is the date of last activity? If it says 1997, dispute (in writing, certified mail, return receipt) as obsolete. If the company has changed the DOLA, send a validation letter to the CA, asking for proper validation as per the Fair Debt...

It happens and wasn't intentional. It's just a reminder, so as to not make more threads confusing.

Team, You really should start your own thread. This is considered hijacking and rude. But, since you're new, here is my response. Your letter should be proof enough for the judge. The CA will have to prove you owe it before a judgement is rendered. Just answer any documents you get and show...

I'd resend my letter, CMRR. But give them more than a week to respond.

Send a letter to the collection agency, certified mail return receipt, asking for proper validation as per the Fair Debt Collection Practices Act. Tell them to only contact you by mail, as it is inconvenient for you to receive phone calls. Validation has to be proof that you owe what they...

A week isn't long enough. Did you send your letter certified mail return receipt?

Maine Department of Education http://www.state.me.us/education/

It happens to everyone at some point--especially when you have over 25,000 posts! :D

It's a medical debt, not revolving. So, how does that change your answer for the OP?

The call won't affect the SOL. If it is past SOL like you say, you could just send a cease and desist.

Even if this person wrote the "custom" essay, it is still plagarism. So, what would you sue this guy for? Get that idea out of your head.

I'm not sure I understand your post. Does your credit report list 2 tradelines? One from the original creditor stating it was charged off, $0 balance, and transferred/sold? Is there another one from the collection agency? How is it reporting? Did this company purchase your debt from the...

Don't be intimidated by their threats. Send a debt validation letter, certified mail return receipt. Ask for proper validation as per the Fair Debt Collection Practices Act. Also state to only contact you by mail. They should go away. IF by chance they don't, send a copy of the paid in...