Tuesday, March 09, 2010
How to get a NEW collection account deleted and PERMANENTLY closed
This is another new Liars and Cheats EXPOSED blog:
Credit Reporting and Debt Collection News
It looks like I successfully installed an mp3 player (I LOVE WordPress!) and I’m looking forward to posting many collection recordings with my analysis.
My first post is not just about deletion, but how to get PERMANENT closure of a collection account owned by a debt buyer and why it is so IMPORTANT to record those collection calls.
Notably, my client offered to SETTLE the account for $750 after he received their initial collection letter and prior to their reporting to the credit bureaus. He RECORDED the call, conducted himself PROFESSIONALLY, recorded the voice mails they left for him and then he paid me $300 for a “settlement”—not a bad deal for him!
As long-time readers know, I successfully sued IC Systems over PHONE CALLS—nothing else. It’s the EASIEST way to document FDCPA violations because collectors just can’t stick to the script.
So I posted the rather funny message the collector left on my client’s voice mail, but I removed the collector’s name as they did delete and close the account.
Consider this “collection” reporting.
Had they NOT cooperated, they’d be featured on their own blog. And I don’t even have to delete after 7 years.
I recently moved two of my published FTC and AG complaints to Liars and Cheats EXPOSED blogs:
Debt Collector Portfolio Recovery FDCPA and FCRA Complaints with FTC and Attorneys General
Credit Bureau Experian and DeVry Reporting False Late Payments and Refusal to Delete
It’s a LOT of work to publish these complaints, but it’s well worth the effort in the long run. Collectors and creditors can see that I’m not bluffing.
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