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Jerseee,
All I've done so far is ask collectors and CRA's to "validate" the alleged debts and defined what constitutes validation according to FDCPA, FTC Opinion letters, & legal decisions. Also stated that all correspondence with me was to proceed via US Mail.(no phone calls please).
One collector didnt respond to my request so about 35 days after their non response, I sent a letter of estoppel and requested they remove any negative listings with the CRAs.(I have all the green postal cards as proof).
Second thing to report is that one of the other collectors actually left a msg on my machine saying they received my letter (funny thing...I asked them not call me! LOL...Im thinking possible FDCPA violation there!) and want me to call back to discuss this matter. These collection accounts are small potatoes compared to most people, but its a great learning experience. This site is right on the money and Im glad its here. Again KUDOS to kenrs and I hope to add a few victories myself in the near future!
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