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I received a dunning letter almost 2 months ago from a lawyer for CACH LLC, a company that bought the debt (~17k) I owed to a credit card company. Being the unmotivated person I am, I didn't do any research on the subject and took no action. I haven't been sued or anything yet, though. Since its been way over the 30 day limit to dispute, is there a point to sending a debt verification letter? What should I do? Also, according to my mom, someone claiming to be from the lawyer's office has been calling her workplace and leaving messages on their answering machine regarding my debt. Is this a violation of the FDCPA and if so do I just need the recorded messages to file suit? Is there anything specific they have to say in order for me to use it as evidence? Since I'm from Illinois too, anything state specific would help. keelem fucked around with this message at 16:43 on Dec 13, 2009 |
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Dec 13, 2009 15:44
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| # ¿ Apr 27, 2024 22:26 |
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If I got a dunning letter from an attorney saying he represents the debt collector, should all my communication to the debt collector be addressed to him? Also, you suggested I dispute my debt with a credit agency. I checked my credit report and only the charged-off credit card account is showing up. There's no other information there about an account in collections with the debt collector that bought my debt. How should I go about disputing it?
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Dec 19, 2009 17:35
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