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    Debt Collectors: Re: Fair Credit Reporting and FDCPA Violation

    If an attorney is acting as a collection agent, then he is a collection agent. They must follow FDCPA laws.
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    Debt Collectors: Re: Violation of the FDCPA

    I didn't notice any collection agency mentioned as being involved. If an apartment complex (the business itself) is attempting to collect, FDCPA does not apply. Any second opinions?
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    Debt Collectors: Opinions from those in the know.

    Background - Original Creditor states that the account was sold to someone OTHER THAN this agency currently collecting. They verified last payment was made 4 years and 10 days ago. This collector has...
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    Debt Collectors: Re: Collection Agency Won't Let Me Dispute Debt

    They cannot refuse to validate. They are breaking Federal Law. However, their definition of validation and your are probably very different. Keep in mind, the burden is on them to prove the debt...
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    Debt Collectors: Re: What Constitutes Validation of a Debt

    (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...
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