What are my rights

[wombatinok]

I live OK, the collections agency is in WI. I need to know what rights I have when dealing with them reguarding informtion that they have and I need to contest the debt. Spesfically the dates of payments, service suspension, and useage of the cell phone. I contacted my Cell co. and they stated that all that was sent to the agency. How long do they have to get me the information and/or what can I do if they refuse?

[jamied66]

Originally Posted by wombatinok

I live OK, the collections agency is in WI. I need to know what rights I have when dealing with them reguarding informtion that they have and I need to contest the debt. Spesfically the dates of payments, service suspension, and useage of the cell phone. I contacted my Cell co. and they stated that all that was sent to the agency. How long do they have to get me the information and/or what can I do if they refuse?

First, don't contact them by phone. Second, go to [url]http://whychat.5u.com[/url] and look up the statute of limitations in your state. In short, the SOL is how long someone can successfully sue you and win a judgement (which is then used to levy your accounts and garnish your wages). If I'm not mistaken, a cell phone contract is pretty universally considered a "written contract", but I may be corrected. Second, send them a letter demanding, per the Fair Debt Collection Practices Act, proper, competent validation of this alleged debt and their legal standing to collect it. Send this Certified Mail with Return Receipt (costs $4.42, and you get a little post card back proving it was delivered). Also, include in this letter a limited Cease and Desist clause, only allowing them to contact you in writing. You can find sample letters for validation and limited C & D at [url]www.creditboards.com[/url]. This website also has more info on credit repair and improvement than you could possibly imagine if that's something you're looking to do.

Best of Luck!!

jd66