John C Bonewicz

How long ago did you get the call? You should receive something in the mail within about a week of the call usually. If you haven't, I'd call and ask them to send you a letter of collection or dunning letter. Then you can request debt validation.

I just got the call yesterday. I was thinking of sending out a request to them asking for the debt validation. is that something we should do. My boyfriend doesnt want to get caught up on a phone call with them. I hear sometimes that can turn out really bad

so i spoke with them this morning and they are a 3rd party collection, and the orgina company is no longer involved. the guy from the collection agency said i have till 6pm today to pay or else, any advise. i asked for a letter and he said they already sent one. please let me know the next step its $1,800 owed. can they just sue just like that, and anyone know the timeline

You cannot "ask" for information over the phone....it must be done in writing.

I am pretty sure that the account has been assignment. You could easily call GE to verify placement.

What state do you live in?

Send them a DV, pronto.

Did they verify your address when they called?

I did call GE and they said they can no longer assist in the account, and i must call the collecting agency. the thing that got me is I asked if they would mail me a letter in regards to their information and the account and he (the collection agency) said they did mail it and they wont mail another, then he states i had till 6pm today 8/6/12 to pay in full or else. the he says i wish you luck. lol.. i then asked him "what if i called you tomorrow woiuld i have till 8/7/12 6pm to pay or not. what a joke. we want to pay but im sick and my medical bills are high. i was paying 20 a week then the GE website just stopped and i was unable to use it on June 15th, and i had received calls or letters, i know i should have been proactive, but life sometimes can be overwhelming. I live in california. i am willing to pay 200 a month to fast forward this bill, but he kept telling it was all or nothing by 6pm today. thank you

yes they verified our phone number and address

I would like to add the letter was in my mail box today. lol go figure. and the guy kept telling me i only had till 6pm today to pay. but the letter says i have 30 days to respond and the date on the letter is aug 2 2012

Oh yeah, CA's always try to say that you have to pay immediately 'or else'. But once first contact has been established, CA's have to send you a letter in the mail to explain your rights and give you the opportunity to dispute. Lawfirm CA's like to be extra pushy because its easy to scare consumers since after all, if a lawfirm is calling you about something, it must be serious!

Just send off the DV letter and go from there, make sure when you send the letter to tell them to stop calling you.

Also, overshadowing the FD period like that is a violation of the FDCPA. Though the only proof you would have is if you recorded the call.

Yeah I know, they are sneaky. doing my letter and sending it cert mail, plus faxing it too. trying to buy time here. Maybe if i can i will have the total amount saved and can just pay it off. since the letter is dated Aug 2 and it states I have 30 days to reply, whats the suggestion on how fast should i send it out?

anyone please,. they called again and left a voice mail saying we had till 4ppm today to call them back or else. the thing is the letter we got from the says we have 30 days to respond. can they proceed before the 30 days which is sept 1st.???

Did you send the DV letter???

Save the recording...they cannot threaten unless they intend to take action.

i havent sent the letter was doing it tomorrow. Can they threaten even before your 30 days to respond letter? to tell me I only have till 4pm today seems to be against the laws that their letter clearly says i have 30 days... ugh

they are calling my inlaws too, can you stop them from doing this by requesting it in a letter?

If they have made contact with you and confirmed your current address and phone number, they have no reason to be contacting 3rd parties at this point. That's a clear violation of the FDCPA. Report it to the FTC. You could sue them if you feel the need.

ok, I am sending a letter also stating they have all our current contact information and should not be contacting anyone else in regards to the account. I am also sending the DV letter today. is it wise to fax them and cert mail them too? I know we owe the money and right now i am really trying to get as much as I can together to pay them, just trying to buy time right now. House payments come first...

just to get get it clear is it a debt validation letter or debt verification letter

Sent DV letter out last week, havent received confirmation they have it yet from the post office. Was hoping someone here can advise me of my next step after they send me verification of debt. Thanks