Is suing CA worth my time?

[siricat]

What is the name of your state? AZ

I recieved a letter from Merchants' Credit Guide Co. I have never heard of the "original creditor" they have listed on the letter. I sent them a request for validation letter. I received the certified mail receipt on 5/15/07. I have received and documented at least four phone calls from them since then. On the unexpected chance that I receive a letter from them within the next four days, I have a cease and desist letter ready to send them. Can I, and is it worth my time, to sue them for the continued phone calls? The request for validation letter I sent them indicates that after receiving the letter they can only contact me by mail.What is the name of your state?

[siricat]

I am being called by Merchant Credit regularly every other day now. I would really like to take them to court. They only have until June 14th to validate this debt. Any input?

[debtcollector`]

Originally Posted by siricat

They only have until June 14th to validate this debt.

What could possibly make you think that?

[longsally111]

if you sent them a letter telling them not to contact you except by mail and you have proof of this and they have continued to call you, then, yes, they are in violation. keeo a record of the calls, the times and the names of the people. Then go for it.

[pcgumshoe]

HOWEVER, if you just want them to STOP CALLING, tell them when they call you and WARN them if they call again you will take them to court.

I can't remember the Small Claims in AZ (I Lived in Parker for a while), but if you are comfortable, you could sue them in Small Claims (FCRA states $1000 per violation - or something to that effect, google it!)

[tarheel247]

Originally Posted by pcgumshoe

(FCRA states $1000 per violation - or something to that effect, google it!)

Yep. That is correct. I've collected a few CA's for violations. If they don't follow the laws then they will have to pay. But you better have your ducks in a row...