Login with your favorite social network:

[verrall]

I was sent a collection letter from an agency relating to a dispute that had been settled in 2001 (I did not owe the bill in question). The dispute involved a phone organization that merged with one more in 2005, and I guess this account was nonetheless on the books as a collection account. I notified collection agency, by phone and in writing, that the debt was invalid. In no way ever heard from them as soon as again till I was about to sign loan documents on a new house, when the lender insisted I pay this collection account that appeared on my credit report! I had to spend it or no loan! I given that have developed numerous attempts to make contact with the agency - no response. I plan to take them to little claims court to get my funds back and costs for pursuing this matter. That will total beneath $1,000. They violated beneath several FCRA regs, as they produced no attempt to investigate my claim, and they reported me to 2 out 3 credit bureaus. My query is - can I try to gather the $two,500 permitted under the FCRA in tiny claims, or will I be asked to file in a distinct court? If I can file in modest claims, can I ask for the $2,500 instances two, either for a quantity of violations or for the truth that this account shows up on mine and my husband's credit report? We are in CA, and can claim up to $7,500 in tiny claims court. Thanks in advance for any tips.

[anson34]

I am in a relatively similiar situation nowadays. I have been reported by a lengthy distance company to an assortment agency and they have reported me to the credit businesses. I'd their service shortly. It had been incurred on my monthly SBC bill. At no time did I accept any agreement for a particular length of time. Consequently, I have no bills out of this corporation. I have gotten no response.Now and requested copies of accounts, I need to obtain a auto and the low-expense optioin will be to pay the bill. I am that is extortion. Nevertheless, if I do not pay this bill ($330) I'm confronted with paying $800 more in interest on my loan or among $1500 and $2000 in automobile repairs on my earlier auto.Must I pay the bill and sue MCI in modest claims court? I'm in California.

[motega]

Was this an assortment or overdue bill BEFORE you got the challenge resolved in 2001? "I did not owe the bill in question."Do you've any documents showing that you did not owe the bill? Iam speaing frankly about documentary proof written down, such as for instance a notice or bill record in the telephone company demonstrating that you did not owe the money?

[Michel]

Writing "paid in full" on a check does not discharge a valid debt.
This is an urban myth.

[tate8]

It absolutely was an assortment consideration, but mainly for costs that I did not owe because the telephone company have been double-billing me for DSL for over annually. PacBell, today SBC, did this to a large number of customers and got lots of negative media because of it. They'd not matter me a fixed final statement, so I declined to pay for it till they did so. Their statement was for $300, when ultimately, I owed $30. After much bargaining using their collection company and getting nowhere, I documented them for the Public Utilities Commission and then, voila!, anything was set. I settled the total amount they explained within the telephone, but they never did issue your final statement. They did, nevertheless, cash my seek advice from the memo "consideration paid entirely". I've all of the communication and the cancelled check, in addition to records and titles from my numerous discussions. About 4 weeks after I settled, a PacBell VP created a public-relations contact in my experience to ensure I was pleased with the quality (at this time, everybody was suing them). This all happened in 2001/2002. I've examined my credit history annually, and this is never onto it. While SBC merged with AT&T a year ago, this consideration somehow appeared as delinquent for that $300, and I obtained an assortment notice. The collection company was apprised of the unacceptable debt, delivered copies of communication, however did nothing except to record me to credit agencies. They never approached me again or examined my state, as they're legally required to complete. I've directed them a professional notice, that they have obtained, requesting restitution and costs. No reaction, thus my need to consider action.