I had received a notice form a "law" office in Los Angeles that I owed a debt and had 30 days to dispute it . I replied back within 30 days with a certified letter that I was disputing the debt. I pasted a sample of the letter I sent below. In the letter I also requested they not contact me via phone at work or home. So what do these idiots do call my home and office phone. This is a clear violation of the Fair Debt Act, if you inform a debt collector that you cannot take personal calls at work then they cannot call you at work. They can still call you at home unless you retain a lawyer and then they must send all communications to your lawyer.
o Whom It May Concern,
I am sending this letter to you in response to a notice I received from you on (date of letter). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
A Keith Bohlen from "Law Offices" called my place of employment, harrasing the receptionist, accusing her of being me!! He was transferred to my office manager and he gave my office manager whole bunch of personal information that he should not have. I'v called and placed a complaint against them with the FTC
yeah they called our office and left a message about a "wage garnishment" and wanted to speak with somebody in payroll. They are fishing.
Any wage garnishment needs a judgement (court order).
they most likely wont call again because they are busy calling the rest of the world but when their dialer gets back to us i'll try to pick it up next time and have some fun.
Someone identifying themselves as Morgan Baines called from this number. Had a "case number" re one of the employees in our company. She said there was a wage garnishment that was served by the sherrifs! I have never seen any paperwork from any court, so I assume the call was totally bogus. I would certainly remember if the sheriffs came here and served papers. Anyway, I responded by giving her a ton of incorrect information: Good luck with the chase "Morgan" =)
They are rude and trying to collect a debt I dont think so they claimed to have my wages garnish well imma go to the court house today and figure this out if I need to take them to court I will. Their gonna have my wages garnish thats what the human resources says and that theirs nothing they can do the paper they served my company isnt even sign by a judge wtf really can they do this to me?