"Denise", you scamming Atlanta area SHILLS are incredibly obvious. I know you so well. You always try to play from the exact same script. It's always "after I paid the account in full they sent me a paid in full letter". You neglect the fact that your FRAUD SHOP is REQUIRED to mail a Notice of Validation to any supposed debtor within 5 days of initial contact. Your group of thieves will NEVER mail out a Validation letter & we all know why. You like to make reference to credit reports. You fail to understand that you'll be encountering people here who know how credit reporting REALLY WORKS! Your story is BS & anyone familiar with the CRAs will see through it immediately. You hope that no one will do any research in to your band of frauds. When it becomes evident that your hopes will be dashed you panic. You change your number & you start over again.
I know how to make your crew feel real comfortable "Denise". Ask around the Atl. metro area. I'm becoming known as a kind of "Welcome Wagon" for dirt-bags who think that the grass is greener in GA. than it was in WNY. Your kind usually ends up back on a lovely beach on Lake Erie.
Skeff Ett Liv!
Gunnar
One, it's not a "mediation company", it's a lawbreaking collection agency from the Buffalo Bully mold. Two, what "seems legit" can be dishonest but convince you of the opposite.
The initial dunning letter must conform to what 15 USC 1692g(a) requires. It cannot lie about the account or your liability or imply a false threat to litigate. Its senders had no business disturbing your mother if they knew your current location from the start. Debt collectors lacking proof you owe routinely use such illegal tactics.
No one gets a "pay for delete" deal simply for doing what the collector wants. At best the derogatory tradeline will be updated and have to age off like the rest. At worst, your credit ranking will drop, not rise, a frequent cruel joke of our credit system. A debt collector promising that payment will improve your credit reports violates the Credit Repair Organizations Act and the FDCPA.
It would greatly help others here if you'd share the return mailing address(es) seen on that letter.
§ 1692g. Validation of debts
http://www.law.cornell.edu/uscode/text/15/1692g
Obvious you work for the debt scammers. You know it's a violation of FTC rules to threaten criminal process in order to collect a civil debt. You know that don't you?
So far as I can determined, Goldman and Associates doesn't exist. It's just a phantom they invent in order to make the letter seem authentic. DO NOT PAY THEM ANYTHING in the absence of a debt validation letter sent to you by US mail. E-mail no good.
Yeah, but if you call that number the robo-greeter says "Goldman Mediation and Fraud Department". Most likely another phantom group name used to make this outfit seem legitimate. Like I say total phantom.