bankruptcy laws in georgia

How to respond to a collection agency?

I have a CA calling me on a charged off CC debt. I sent a certified letter to validate a Collection agencies. I have not heard from them again. What is my next step. Should I wait for the validation. check if they can, I make a payment written offer? When it comes to what the payment if they refuse? The man from the agency left a message on my machine and said: "They have two possibilities, either: 1 You can call me or 2 today. I'll turn this back to the creditors and you can suffer the consequences. He also said that I do not file bankruptcy, or a clinic, because it was too late. A second message he sent it, it reminds of a law firm (in Georgia) and have me served with papers. My 30 days to request validation is still not up. I know that they received the letter (I have the green slip back a few days ago) Anyone who has ever been in this situation, please share.

Do not lose the recordings – they are golden !!!!!! The threats to these recordings show that the CA had Their rights violated. With these recordings, you have a legal right to request the payment of violations of the CA for her to sue by a letter of intent, or go Ahead and sue them. You should also look over your credit reports when reporting, for each additional injury. If they are, send a dispute "NOW" to the CRA because of wrong info. If they say to send the report on the bill as an open account, past due, a factoring company etc., etc., etc. (the CRA dispute during the CA is still within the validity period) If you sent your request validation within the first 30 days of contact and CA had called the inquiry after receiving your confirmation – a further violation. If the CA had only made phone calls, without sending something in writing within 5 days of the first call – A further violation. If the CA does not validate correctly, please send a second request review. Proper validation is not a computer or print paper from the CA – it must come from the original creditor by the CA. Then you may file complaints with the AG, BBB, FTC, your AG and its. Without knowing more (if the CA had, sent a letter if you had the letter validation within the first 30 days, etc., etc.) is sent, it would be difficult to say much more. Except that, you should do some reading in the links I have listed in my profile – do the FDCPA, FCRA, etc (and especially for reading and questions in the last link I have listed) After reading and you are not comfortable enough to be against the file, you may have to talk to a lawyer. One can find that well versed in consumer law (the FDCPA, FCRA, etc) Many Times they will consult you a free initial consultation.

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