Need Help!!

[broncofan1]

I have a charged off chase credit card that was sold to a collection agency. I sent the collection agency a debt validation letter and 30 days went by and they sold it to someone else. I sent the same letter telling the new company the last company didn't validate the debt within the 30 day period and the need to cease of I will sue. This new company sold it to someone else. So this is the third company trying to collect but none of them have followed the 30 days and my credit report only shows chase charge off. No collection agency or collections shown on my report. How do I go about getting the collection agency to stop harassing me and follow the 30 day law. Also what can I do about them form selling it over and over. thanks for your help.

[30daylate]

This is why collection agencies are so terrible. I would send a letter to the credit reporting agencies. Don't dispute it if you know it is your debt, but you still have the right to verify the item. If you can keep the collection agencies at bay with the letters I think the OC won't bother messing with it and it will just drop off.

[broncofan1]

What do I do about the first ca not responding within the 30 day? Also they sold it to someone else. Does the process start all over again because they are a new ca company? thanks

[30daylate]

Whatever clock would be reset with a new company. If you debt validate then they can't contact you until they validate the debt. You can escalate from their and make sure that they are properly licensed and bonded.

[Lian]

The "30-day law" under FDCPA 809(b) is a requirement upon the consumer, not the debt collector. The consumer has 30 days after receipt of a dunning notice to request debt validation in order to invoke the cease collection bar under that section.

The FDCPA imposes no time period for a debt collector to thereafter provide the requested debt validation. Their 'penalty' for not providing validation is that they must cease collection activities until such time as validation is provided.

When a new debt collector purchases the debt, a new string of dunning notice/DV requests begins. The new owner is not responsible for actions or inactions of the prior owner.

Texas has its own version of the FDCPA which does impose a requirement for response, but the federal FDCPA does not.
Collection of an unpaid debt is a legitimate activity. As long as they don't violate any of the debt collection practices set forth in the FDCPA, they are entitled to pursue the debt. If at any time you want a specific debt collector to cease further communications with you, you can simply send them a cease communications letter under the provisions of FDCPA 805(c). After receipt of such a notice, it thereafter becomes illegal for them to communicate with you.

[chane]

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