Do Collection Agency “Cease and Desist” Letters Prevent Response to Credit...
The FDCPA was written with an eye towards protecting consumers from collection agency harassment. Under the FDCPA, a collection agency must cease communication with a consumer upon written request from...
View ArticleI’m Not Sure What to Say In My Letter to a Collection Agency
Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say. In general, it’s not usually a good idea to speak to a collection...
View ArticleI’m Being Threatened with a Credit Card Lawsuit
Q. I owe Capital One $8,000. I have been contacted by Nelson, Watson & Associates to collect on my Capital One debt. I offered them $2500, more than 25%, but they rudely refused and said they want...
View ArticlePerplexing Response to Debt Validation Letter
Q. I read your debt validation(DV) section and wrote a DV letter to one of my creditors. They responded in a manner in which you didn’t cover. Can you give me some insight on how I might respond to...
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