Collection Agency

[webmaster]

What is the name of your state? Wisconsin

I sent a cease and desist letter to a collection agency many months ago. The kind that claim they bought the debt from the original creditor. I thought I got rid of them, but they hired another collection agency on their behalf. Is this a violation of any laws? I thought the federal laws apply even to those collectors who say they bought the debt from the original creditor which means they shouldn't be able to keep hiring other agencies on their behalf.

 

[Ladynred]

Nope, you thought wrong. There is NOTHING that says they can't resell the debt or hire other collection agencies to harrass you. If you sent the C&D to the junk debt BUYER, then they just flipped it off to one of their collection agency arms or one that they hired. Unless the debt is time-barred, sending a complete C&D is just ASKING to be sued !

 

[webmaster]

I actually did send them a complete C & D letter saying that I didn't want to be contacted by them or any of their associates because I linked several collection agencies back to them. They were trying to hide that fact and I thought by doing that the debt would have to go back to the original creditor or they would resell it to someone else. I'll just keep sending the letters and they can keep pretending I'm going to pay. I have one other credit card debt and got rid of 2 of their collection agencies back in May. I've heard nothing since. The 2 cards I stopped paying on raised my interest rate to an insane level only because they checked my credit report to see that I had a lot of high credit balances. The interest was at or even more than the minimum payments I was making so I stopped paying. All these fools have been adding even more insane interest and fees they make up so that the debt is beyond belief. Why would they think anyone would pay that. If they sue then I claim bankruptcy. They won't see a penny. Thats what happens to greedy corporations. I pay all my other credit cards and bills on time because their fair and don't punish me for no good reason.