A friend of ours was called out of nowwhere from Arbritration Resolutions stating they owed a debt which occurred over 10 years ago. Our friend has no idea about this debt, and requested "Proof of Debt" to review, as they refused. The agent on the phone threatened them if they did not pay immediately, as they would put them in jail. When we called back to discuss this matter, we mentioned that the previous agent had threatened legal action and jail time,as they called a a "F**kin Liar" and hung up the phone.
The two phone #'s are
(713) 904 - 1618 (Houston Cell Phone #)
If the harrassment continues via phone or email after you tell them to correspond via mail only, you should:
1) Save all your voice mails, telephone call history and any other information.
2) Call you local police department (Non Emergency #) and report the collection agency with all corresponding telephone #'s to file a harrassment case against the collection company.
If you receive phone calls from this company, they must send you "Proof of Debt"... By law, you can tell them to send all documentation to you for review.. Once received, you must respond within 30days to dispute.. There are many "Proof of Debt Letters" on the internet for your responce, as I have pasted one below. In order to ensure the debt collector receives your letter, send United States Postal Service "Certified Mail" which will require a signature.
In any debt situation, the creditor / collection agency must provide "Proof Of Debt"... READ BELOW:
FDCPA Section 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
The requirements for meeting debt validation are not tough. However, it's not enough to send you a computer-generated printout of the debt.
If a creditor can't validate a debt:
•They are not allowed to collect the debt,
•They are not allowed to contact you about the debt, and
•They are also not allowed to report it under the Fair Credit Reporting Act (FCRA). Doing so is a violation of the FCRA, and the FCRA states that you can sue for $1,000 in damages for any violation of the Act.
A collection agency CANNOT report a debt to the credit bureaus which has not been validated, and, you can sue in federal or state court if you have them on a violation. You could receive $1,000 for the incident plus damages. Small claims court, anyone?
Sent U.S. Certified, Return Receipt Mail
Collection Company Name
Re: Reference / Account - Collection Company
Dear Collection Company:
In response to your letter to me dated ____ and received on ____, I hereby dispute the debt and request debt validation.
I request your office provide me with competent documentation, from the original creditor, that I have any legal obligation to pay you for any debt, including any interest, late fees or other charges that you are claiming.
Please provide me with the following:
1. Documentation of the name of the original creditor;
2. The name and address of the debtor as it appeared in the original creditor’s records;
3. A copy of the original signed contract or other document evidencing the debt with the original creditor;
4. Documentation that (name of collection agency) now owns the alleged debt;
5. The original account number of the debt; and
6. An itemized accounting of the amount claimed to be owed, including all fees and charges and how those fees and charges were determined.
Additionally, if your company and/or the “furnisher of information” has reported non-validated information to any credit reporting agency; and, pulled any credit reports without my permission, this action may constitute fraud under both Federal and State Laws.
Failure to respond to this validation request within thirty (30) days from the date of your receipt, means you must delete all references to this account from all of my credit files and a copy of such deletion request shall be sent to me immediately for my records.
Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications with me MUST BE DONE IN WRITING and sent to the address noted in this letter by United States Postal Service Certified Mail.
Caller: Arbritration Resolutions
Call Type: Debt Collector