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Emailed a collection agency a few times regarding supplying proof of ownership of a debt but they havnt gotten back to me. DO they need to send me this by law upon request?

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9 Responses to “What Happens if a Collection Agency Doesnt Send Me Proof of Ownership of a Debt on Request?”

  1. rose valentine
    May 28, 2011 at 6:57 am #

    That means someone has stolen your identity i think you should get a credit report and go from there

  2. SGElite
    May 28, 2011 at 7:02 am #

    You are not responsible for the debt until proven.

  3. stan c
    May 28, 2011 at 7:13 am #

    Emailing does not do a thing. Send a letter, 1 regular, 1 certified return receipt and state in the letter that you want proof of the debt. They have 30/45 days to respond. If you do not get a response, this it's over and done with. If the certified letter comes back unsigned, do not open it because that the only proof you have the letter was sent. Make 2 copies

  4. Moonooocoloonool
    May 28, 2011 at 7:15 am #

    You need to send certified mail.

  5. Perardua
    May 28, 2011 at 8:12 am #

    First of all, why do you owe a "collection agency" anything? Did you sign a contract with this agency? BTW, The definition of a contract has three parts: 1. An offer, meaning, "I have something, a car, an item, money, anything of value that I present as an "offer" to you. 2. An acceptance, meaning, I see your offer and I accept it. Stopped here this is merely an exchange and is only as legally binding as one party or the other wishes to expend enormous amounts of money to make a case of it. The third part of a contract is legally the most important and that is the consideration. Usually the consideration is money. In English, just as one of many examples. "See here, my dealership has a car. It is for sale" (The offer). "I see your car, I'm here to buy it." (The acceptance). "Great, pay me X amount of dollars and it's yours". (The consideration). In it's simplest form you have there a contract.

    Ever buy a car, just give someone some money and drive away? (not talking about from a friend or relative) No, you did not. Somewhere between the guy in the dollar 3 eighty out of style suit and you driving away in your "new to you anyhow" car there was a lot of paperwork. Many erroneously refer to just the paperwork as "the contract". In fact, everything that happened from what could be defined as "the offer", "the acceptance", and "the consideration" is in fact the contract and if that happy little get together ever came to a court case, the entire "contract" would be at issue.

    In the litigious society we live in, any civil matter is not truly enforceable in a court of law unless it has first been "reduced to writing"... Legalese, gotta love it... You summarize all that makes up a contract, write it down in simple terms, except of course for the several thousand words all in one sentence that makes up what we call "the fine print". The fine print is that part of the "reduced to writing" thing that explains in terms you will need a lawyer to interpret that the fine print says in legalese "Caveat Emptor" is not Latin for "Buyer Beware", it really means what our interpretation of that warning really means, which means, "you have been shafted, shined, manipulated and in fine, legally robbed" Deeper in this alluded to legalese exists different types of contracts such as unilateral, bilateral, simple, complex, oral, etc. THIS answer is hopefully directed toward your somewhat ambiguous question but nails down the COLLECTION AGENCY thingy.

    Now, that said, to your question. Do you have a contract with this or any collection agency? Did this collection agency make you an offer? Did you accept? Did you agree to pay THIS COLLECTION AGENCY anything? Wait, Hold on, I can feel it coming... NO!!!

    Because this is a public forum, I won't spell out the words for you. I don't think I have to spell them out for you, do I? As only a suggestion and nothing more, if, for instance it were me, I might tell this agency where to go, when they can go, WHY they can go (I have no contract with you,,,Shhhhh!), Maybe how fast they can go, and what part of my anatomy they may embrace with their oral commissures (lips) and in plain old English, KISS! I might go a little further by inquiring of the idiot, I mean agent on the phone representing the "agency" if I might have his/her name for the record? I would most assuredly include in that inquiry an affirmation such as; "That is your real name is it not?" (Often these pseudo-legal confidence people use pseudonyms to protect the innocent - people who might get the crap beat out of them if someone comes calling with a billy-club to pound them about the head and shoulders and the man/woman in the booth next to them is closer to the door).

  6. bdancer222
    May 28, 2011 at 8:42 am #

    First, forget about emailing. You have to send a certified, return reciept letter to the collection agency.

    Second, are you asking for proof that the collection agency owns the debt? What are you expecting them to send to you proving they own the debt?

    I suspect that you have been taking advice from some "credit expert" sites and have some very bad info. The FDCPA requires that third party collectors mail written validation within 5 days of initial contact. This validation basically consist of the name of the original creditor, amount, dates, and notices of your right to dispute. There is no requirement for the collection agency to prove they own the debt -- they may NOT actually own the debt, but are collecting for the original creditor.

    You can ask for proof that YOU owe the debt. If you already know that the debt is yours and are just trying to stall or create a loophole, stop playing games. You would do better to work on negotiating a settlement. The collection agency may just decide to serve you with a summons and bring proof of the debt to court.

  7. duer
    May 1, 2012 at 4:45 am #

    Head of Credit and Collection -

  8. sumie
    May 3, 2012 at 7:55 pm #

    The problem is that the whole financial services is a regulatory mess as far as consumers are concerned.

    While the FSA carries the can on many aspects of financial services, authority for regulation and consumer protection is actually split between the FSA, BBA, and Trading Standards.

    What the FSA needs is clear regulatory authority over the financial services sector, and especially, sole responsibility for protecting consumers, not least against mis-selling, rather than the current and unhelpful diversification.

    2c.

  9. stard mulemmerro
    May 5, 2012 at 12:07 pm #

    notebook is essentially that... an add-on to Firefox. In our design for the financial services site, though, we want something all-purpose and generic. We want a financial-services gobbler, that understands the data model of financial services (securities, mutual funds, fees, percentage change over time, etc.). I think it will work best when tailored to the specific experience at hand.

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