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#1
 
Old 02-25-2011, 06:00 PM
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wdsman1 is on a distinguished road
Default collection call during dispute

I am currently doing the 1-2 punch with a few CA's that were paid off but still on my CR. I disputed Dell Financial Services with all 3 CRA's about 2 weeks ago. It is listed as Dell on my CR's. I have not heard anything back from the CRA's yet. Today I leave work and see 3 missed calls from "unavailable" As I get in my car I get an "unavailable" call again so I answer wondering who could be calling. The person on the phone had a strong foreign accent so I didn't understand most of what she was saying. She asked if it was me....I said yes...asked my address...again I said yes. She then said that she was from a collection agency for dell financial services. I said I never received anything from them...which is the truth. She said that she has been mailing me information about this for months.
I have not received anything from this company.....it is not on my credit report as a CA. I ended the call by saying you know my address...send me the information you have on it.

Any ideas to what is going on here? With the strong accent and me in traffic I couldn't understand what CA she said she was from.
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#2
 
Old 02-26-2011, 02:27 AM
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Probably legit. You'd have to request them to not contact you, and in my opinion that would be a bad idea. Let em call and try to work something out if you request that they do not contact you, then request validation, that puts them in a position to where they do not have to provide the validation since you requested for them not to contact you (See how that works in the CA's favor?). Don't duck them, read up on your rights and use them to your advantage.
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#3
 
Old 03-28-2011, 01:00 AM
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This call was clearly a communication from a debt collector. They additionally assert that they have communicated with you in the past. Did they ever send you a formal, written collection (dunning) notice?
Whenver they had an "initial communication" with you, they were requried to have sent you formal, written collection (dunning) notice with 5-days thereafter. Did they do this?
Have you sent them a debt validation request under FDCPA 809(b)? If so, when? Prior to their latest communication with you?
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