frontline assets?

[casgrafx]

I’ve been getting phone calls from a representative of a company called Frontline Asssets a collection agency that claims I have a judgement from an account that is from 2001.. I’ve been working with Lexington Law to help clean up my credit and they have been doing a great job, However this judgement is on none of my CR any advice on how I go about verifying this judgement and is this company legit. I’ve requested a letter regarding this debt and I’ve only received an e-mail regarding it. I’m really not sure what steps to take thanks for any help .

Casgrafx

[30daylate]

There are a lot of things that sound wrong here. Not on your Credit Report, 10 year old debt seems to be past the statute of limitations to me although I don't know the SOL for every state, I would ask them politely to not contact you by phone any more.


Here is what the FDCPA says about it:

§ 806. Harassment or abuse [15 USC 1692d]

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

and

§ 805. Communication in connection with debt collection [15 USC 1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;

[Lian]

Did you pay the debt to the judgment creditor, or is it still an unsatisfied judgment? Apparently, the debt collector has information that the debt has not been paid. True or untrue?

FCRA 605(a)(2) sets the expiration of credit report inclusion for judgments as antedating your CR by more than 7 years from the date of entry of the judgment or until the governing statute of limitations has expired, whichever is longer. Those are the dates of relevance. Apparently, since the judgment is not appearing in your CR, then the CRA believes that the reporting period has expired. So you are left with an issue of whether you owe the debt.

If you have evidence that the debt was paid, that necessarily would render the reporting of any collection activity moot. You could, if it was paid, file a direct dispute with the debt collector, asserting inaccurate reporting of their collection.

As for their phone calls, they are an entitlement of their conduct of business unless they become unreasonably harassing. You always have the right to require their cessation of communications with you by simply sending then a cease communication letter under FCRA 605(c).

You can, and probably should, DV them, but unless you live in Texas, they have no requirement to respond. The DV would, however, give you a period of cessation of their collection activities until such time as they chose to validate.