ajterrell110

1 Contributions 2 People Helped

Member Since: February 2013

Most Helpful Contribution

How to dispute an error on your credit report

Feb 23, 2015
Helpful to 2 out of 2 people

Hi 4teamom you are mostly correct. Again I am not a lawyer yet but I did work for a debt collector in legal. Canning about an "alleged debt" will not toll the statute of limitations. Acknowledging the debt via phone, mail or payment will though.

Also debt collectors have to prove said debt is yours. Do they own the account or are they just servicing it? Own it? Good show me the purchase agreement showing you bought this. This is the debt collector holy grail and are very reluctant to give it away. Also they need proof of the last time you acknowledge the debt. No proof of those then you can sue for FDCPA VIOLATIONS. Hope this helped a bit. Good luck all

Activity (1 Total Contributions)

How to dispute an error on your credit report

Feb 23, 2015
Helpful to 2 out of 2 people

Hi 4teamom you are mostly correct. Again I am not a lawyer yet but I did work for a debt collector in legal. Canning about an "alleged debt" will not toll the statute of limitations. Acknowledging the debt via phone, mail or payment will though.

Also debt collectors have to prove said debt is yours. Do they own the account or are they just servicing it? Own it? Good show me the purchase agreement showing you bought this. This is the debt collector holy grail and are very reluctant to give it away. Also they need proof of the last time you acknowledge the debt. No proof of those then you can sue for FDCPA VIOLATIONS. Hope this helped a bit. Good luck all