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Did not dispute within 30 days
An attorney for a junk debt collector sent me a letter (to my mothers home) saying I needed to respond within 30 days.
Since the letter was not mailed to my address and said it was collecting a debt for a portfolio something or another I knew it was junk so I didn't respond. Now that attorney's office line showed up on my caller ID today so I know they are trying to call me now. Should I answer the next time they call? If so what do I say and request of them? Thank you for your help. |
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Is the debt out side of the SOL,
Since they obviously have your number, most likely they have your correct address and sent it to a wrong address on purpose. If debt is outside of the SOL, write them, and tell them not to call you on this again. I never talk to them on the phone, esp the junk collectors, require everything in writing. |
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I actually don't know what debt they are referring to or if it falls under SOL.
In the letter, it stated that the portfolio co. was assigned my charged off account; however they did not say who the original debt was owed to. I cannot recall any unpaid debt from the past and I know that I haven't had any in recent years. This is the second time this has happened to me in 2 months. The first was for a medical bill that was settled, I haven't heard back from them since I requested validation. I'm almost wondering if this is related or not, but their letter did not state Who or what the original debt was for. They only stated that I owed the junk collector money. |
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If these people are sending letters to the wrong addresses, how do they know if people are receiving them?
If people are not receiving the letters, of course they cannot respond. So why do they assume that you acknowledge the debt when they don't know if you even got the letter or not? How is this even legal? In the letter I send them, do I acknowledge and say that I noticed they had been calling my home and to stop calling? Do I request for them to send me something on paper as to why they're calling? Their letter said they want $120.00 and I cannot recall any unpaid debt of any kind. Do I acknowledge that I know how much money they want? |
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