What is the name of your state? ILLINOIS
My husband received a call from a NCO collection agent who had been calling and threatening all types of garnishments and judgement activity would happen if we did not pay an old citibank account from 1997 that was closed and had no activity since, we were not aware of our rights so they kept calling once I learned from this site and others about the fdcpa we informed the guy tonite to send us a letter of validation and he refused he wanted to fax it only and said he wouldnt mail it, he claimed he mailed one in november which is untrue, we recorded the conversation on our cell phone he said the payment option are only valid for this month and by the time you get any validation it would be after this month and we would want 13000, for a 5600 debt, he said I am not willing to mail this out because it is at the end of the month, if you dont do it now you dont have any urgency and we will have to take further action, he said because he is in tempe az it would take too long and the month would be over so the debt would be increased, he said I am not mailing anything I do not have to send anything I do not have to jump through hoops, then he if you want a settlement get a fax number my husband said he dosent have a fax number my husband said can you put this in writing the collector said no you have 48 hours to respond to this and I will not talk anymore maybe you have to deal with our attorneys since you think you know the law so well he then hung up on my husband.
My husband received a call from a NCO collection agent who had been calling and threatening all types of garnishments and judgement activity would happen if we did not pay an old citibank account from 1997 that was closed and had no activity since, we were not aware of our rights so they kept calling once I learned from this site and others about the fdcpa we informed the guy tonite to send us a letter of validation and he refused he wanted to fax it only and said he wouldnt mail it, he claimed he mailed one in november which is untrue, we recorded the conversation on our cell phone he said the payment option are only valid for this month and by the time you get any validation it would be after this month and we would want 13000, for a 5600 debt, he said I am not willing to mail this out because it is at the end of the month, if you dont do it now you dont have any urgency and we will have to take further action, he said because he is in tempe az it would take too long and the month would be over so the debt would be increased, he said I am not mailing anything I do not have to send anything I do not have to jump through hoops, then he if you want a settlement get a fax number my husband said he dosent have a fax number my husband said can you put this in writing the collector said no you have 48 hours to respond to this and I will not talk anymore maybe you have to deal with our attorneys since you think you know the law so well he then hung up on my husband.
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