My question involves collection proceedings in the State of: Missouri
Around 1 month ago, I received collections letters for private student loans of almost $90,000. I have since discovered that the "debt collector" is an actual law firm trying to collect a date. Of the loans they are claiming that I owe, several of them have a last name other than mine. From the beginning, I have been trying to obtain the original loan documents. I was told that the original lender would have them. After calling the lender, they agreed to send me the documents. I received a letter from that said loose in mail. I received a document stating that the documents were enclosed, but no documents. I called the creditor immediately and requested the documents once again. After 2 weeks of not receiving them, I submitted a request to the collection agency disputing inaccurate information and requesting validation of the debt and asked for the original loan agreements. After submitting my request, I received a call 2 days later requesting I pay the debts before receiving the documents that I had requested. They acknowledged that they received my request, but were uncooperative in getting them to me. According to:
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 collector did not cease collection of the debt. Am I missing something or is the place violating this law? I submitted my requests within that 30 day window. From the beginning I have been trying to obtain the documents and told them that once everything has been validated, I would be willing to start trying to resolve any debt that proved to actually be mine. Any information would be really helpful. Thanks!