Topic: Another CA

[frustratedaboutcollectors]

I will try to explain as simply as I can. OC sold the debt to JDB. JDB then sent debt to it's subsidiary CA law firm to collect. I sent CMRR to CA for dispute, no calls and election of arbitration. I heard nothing back.

I get a call from another CA about this. Now CA 2 is in the picture. It is also a subsidiary of JDB as well was CA1. I intend on sending another DV letter with arb request.

Is this a violation? 

[excelsior]

I will try to explain as simply as I can. OC sold the debt to JDB. JDB then sent debt to it's subsidiary CA law firm to collect. I sent CMRR to CA for dispute, no calls and election of arbitration. I heard nothing back.

I get a call from another CA about this. Now CA 2 is in the picture. It is also a subsidiary of JDB as well was CA1. I intend on sending another DV letter with arb request.

Is this a violation?

What is being reported on your credit reports with respect to the account?  That is where I would go hunting.

[frustratedaboutcollectors]

About a 2 months ago I checked and nothing showed on CR.

I am suspicious that the call was from a cell phone with a call back number that I looked up that belongs to a collections agency with a totally different name. The correspondence in the dunning letter makes no mention of this CA. The caller mentioned a lawyers name and the dunning letter came on a lawyers letter head and the envelope had lawyers name and address in a different state on the return address.

 

[excelsior]

About a 2 months ago I checked and nothing showed on CR.

I would order hard copy reports from all 3 bureaus to see what is actually on the credit reports.  I would not use an online service at all for this.  I would look HARD at those reports.  There is likely going to be a wealth (literally) of good information in there for me.  I would pay attention also to the credit inquiries on those reports to see who has been looking at my credit report. 

[Public Enemy]

I would order hard copy reports from all 3 bureaus to see what is actually on the credit reports.

Where can you do that?  I view one of my free ones every 4 months at Annual Credit Report but have no idea how to order hardcopies.

[altony]

Where can you do that?  I view one of my free ones every 4 months at Annual Credit Report but have no idea how to order hardcopies.

Call Equifax, Experian and Transunion and have them mail you a copy of your credit report

[debtfree2b]

The first CA probably returned it to the JDB because you elected arb and contested it. You're not "easy money" and so they returned it to JDB. 

Just keep saving all of the documentation and definitely file a response to the second CA. They'll probably do the same thing and return it to the CA.

[arnanda]

Where can you do that?  I view one of my free ones every 4 months at Annual Credit Report but have no idea how to order hardcopies.

On the website there is an option to print the PDF to get hard copy via postal mail. 

Alternatively, if you go on Annualcreditreport.com, once you get to the report -- there should be an option "print preview" or "printer friendly", this will print the full report.