What is the name of your state? New York
I responded to a letter and phone calls from a debt collector with a letter disputing the debt and demanding that they send me copies of any documents that showed that I agreed to pay what they said I owe, name and address of original creditor, etc... I also requested no further phone calls. Several months later, I receive a letter and phone calls from another debt collector that said their client acquired the debt, and to send them money. (with the usual demand for a 30 day reply). Questions: Is this all legal? Can debt collector #1 disregard my demand for information concerning the debt, and sell the debt without informing me of their intent to do so? Doesn't debt collector #2 have to abide by the obligations of debt collector that sold him the debt (such as the no phone call request)? Or am I obligated to start all over each time a new debt collector acquires the debt, with another dispute and no-call letter? Note: The contract was from 4 years ago. I believe I had the right to cancel when I moved to a different town, but I never thought I should save a contract and cancelation letter from a gym membership, when they told me everything was in order when I first canceled because I was moving (going away to college.) I spoke with a lawyer who wanted a $500 retainer to write them a letter (with no guarantees). The debt is $1600.