Latest Comments for 229-425

March 24 2:05 am
This is definitely a scare tactic. I received the call and it is stated that if I do not respond within 24 hours that the matter will be transferred to my local jurisdiction. They cite that I am in violation of US Code, Title 15. Well this code governs Commerce and Trade. If they are going to try to scare people with codes they could at least use them correctly. Hilarious. Well I am calling their bluff. They can forward what ever they want to because I am not calling them back. Also, for those interested here is information on Debt Collection which I obtained from Cornell Law School. USC Title 15 Chapter 41 Subchapter V 1692g prev next15 USC 1692g - Validation of debts USC-prelim US Code Notes Updates Authorities (CFR)USCPrelim is a preliminary release and may be subject to further revision before it is released again as a final version.Current through Pub. L. 112-238. (See Public Laws for the current Congress.)(a) Notice of debt; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing(1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and(5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.(b) Disputed debtsIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.(c) Admission of liabilityThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.(d) Legal pleadingsA communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection (a).(e) Notice provisionsThe sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [15 U.S.C. 6801 et seq.], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.



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