Fightingmad1
Junior Member
What is the name of your state (only U.S. law)? TN
At the beginning of 2008, I discovered a collection agency listed on my credit report. I disputed the debt and the agency did not respond within the 30 days so it was removed from the report. I went one step further and 8 days later I sent a certified letter to this same agency asking them to validate. Again, no response. This past week, I was served with a civil warrant for these same debts from an attorney acting as a debt collector for the original creditor (these were bills a hospital claimed I owed from 2006). At first I did not realize it was for the same debt I had already disputed until I called the office listed on the warrant. I also noticed that the first collection agency was also listed. When I asked the representative if she was aware they were in violation of the FDCPA by serving me with a warrant without first notifying me and allowing 30 days in which to dispute or ask for validation, she became very nasty and said "I guess you're wanting a continuance?". Of course I said 'yes' and she flippantly told me that they would take care of it. I guess she thinks I'm an idiot and am not going to show up on Tuesday but that is exactly what I intend to do! Am I going to be at a disadvantage without an attorney of my own even though I have proof to back up every single thing I've just said?
At the beginning of 2008, I discovered a collection agency listed on my credit report. I disputed the debt and the agency did not respond within the 30 days so it was removed from the report. I went one step further and 8 days later I sent a certified letter to this same agency asking them to validate. Again, no response. This past week, I was served with a civil warrant for these same debts from an attorney acting as a debt collector for the original creditor (these were bills a hospital claimed I owed from 2006). At first I did not realize it was for the same debt I had already disputed until I called the office listed on the warrant. I also noticed that the first collection agency was also listed. When I asked the representative if she was aware they were in violation of the FDCPA by serving me with a warrant without first notifying me and allowing 30 days in which to dispute or ask for validation, she became very nasty and said "I guess you're wanting a continuance?". Of course I said 'yes' and she flippantly told me that they would take care of it. I guess she thinks I'm an idiot and am not going to show up on Tuesday but that is exactly what I intend to do! Am I going to be at a disadvantage without an attorney of my own even though I have proof to back up every single thing I've just said?