Here comes the CCA begining on May 26, 2009 with it's opening salvo of threats or lawsuits, wage garnishment, taking to abitration on-and-on.
What the monkey on the other end of the telephone doesn't understand is that the person he has contacted can actually read, imagine that!
Since May 26, 2009 I've got 10 'contact' violations under section 807 of FDCPA, 4 'threats of actions they can not take' under FDCPA and 13 THIRTEEN under section 807/807 of FDCPA.
They received and signed for a Debt Validation letter your best weapon of mass destruction on June 8th, 2009 and most of these violations have occured since that date. They simply can not provide the validation information that they would have to provide in a Courtroom, just can't do it otherwise when last Fridays 'final call before abitration' would be filed for they wouldn't have called me again on Tuesday June 30th with yet another final chance to avoid arbitration.
So here's the story, I'm sitting here with 27 documented FDCPA violations in hand (if I review my meticulous notes I'll find more) and each and every one of these violations will be filed in a small claims court where THEY can not bring an attorney...but let us just say they took on the wrong guy.
For instance did you know that if a CCA fails to provide you with Debt Validation they can not collect? No contract, no agreement, no responsibility to pay.
Did you know that for every single contact the CCA makes for ANY reason (except to tell you they're dropping the matter or to send you Debt Validation) is a violation of FDCPA. And that every single violation of FDCPA when filed in a small claims COurt is worth 1000 dollars to you?!?! Oh...now I have your interest eh.
If the CCA threatens to take you to any legal action at all AND if they can't prove THEY own a legitimate debt they are violating FDCPA (at a 1000 dollars a pop).
And it they threaten to take you to abitration and they can't provide PROOF of the debt, the signed contract where you promised to pay the debt then without an agreement that states they can take you to abitration they can't do it!
Ah har har har come on PCA file! Don't wait, file now before the 30 day Debt Validation has expired, that's ANOTHER violation of FDCPA.
Not only am I going to win I'm going to kick their collective asses around the courtroom. I'll plead them to death in court.
And even when they give up and send the claim back to the orignal creditor or previous collection agency that does NOT absolve them of satisfying the Debt Validation letter!
You can make these bottomfeeders spend a lifetime in COurt and file file file with the Office of the Attorneys General on everything you can think of.