Have you experienced a debt collector not addressing your dispute and instead sending another collection letter? 🤔
#DebtCollector #DisputeResolution #CollectionLetter #IgnoringDisputes
Ignoring Disputes: A Frustrating Experience
Has a debt collector recently ignored your dispute and proceeded to send another collection letter?
– Were you left feeling frustrated and confused by their lack of communication?
– Wondering what steps you can take next to resolve the issue?
Dealing with Debt Collectors: What You Need to Know
When faced with a debt collector ignoring your dispute, it’s essential to take proactive steps to address the situation.
1. Keep documentation of all communication with the debt collector.
2. Review your rights under the Fair Debt Collection Practices Act.
3. Consider seeking legal advice if the issue persists.
If you’re struggling with a debt collector who is not acknowledging your dispute, you’re not alone. Explore your options and take control of the situation to protect your rights and financial well-being. #DebtCollection #DisputeResolution #FinancialProtection
Debt collectors don’t make money accepting your disputes. Expect them to keep trying to harass. Keep copies of your dispute evidence and send them to the credit agencies if/when they impact your credit rating. Otherwise, you may just have to endure.
Keep writing those letters. Be sure to acknowledge the second letter and inform them they are not in compliance with the fair debt collections act.
You can file an identity theft report with the FTC. The website gives you instructions and template letters on how to take care of the issue. Will likely need to file a police report to attach to the dispute as well.
With our situation the original creditor is who we made the dispute with and they instructed the collections agency to stop pursuing the debt and remove any negative marks from my wife’s credit report.
If you want them to stop contacting you then you have to send them a letter that says “Stop contacting me”
Not sure what you mean by “dispute”, are you referring to a debt validation letter? If you sent them a debt validation letter they must cease collection efforts until they respond to it.
They may be a zombie debt collector that simply doesn’t care about the law. Some context would be useful, how much, from what, how long ago do they claim the debt was from and do you actually possibly owe?
There are a multitude of factors here. If the account is already a judgment, they don’t need to provide proof of debt, merely a copy of the judgment.
If he account is NOT a judgment, regulation F set a very low bar of what they actually need to provide to validate the debt. They don’t necessarily need to address your specific points of dispute.
If they flat out ignored the dispute and just continued collecting without providing anything at all, file an AG complaint and find an attorney to draft you up a threat of FDCPA suit with a demand for settlement, and give him his 33% when the check comes in.
Complain to the Consumer Financial Protection Bureau. Creditors have to respond to them and the CFPB collects statistics on bad actors in case the creditor is doing this a lot. Good luck!
Depending on the amount, you may wish to talk to lawyer to see if you can sue them for violating the US debt collection act and win a judgement