R
readmetoo
Guest
What is the name of your state? Texas
I have been dealing with a Debt collection Company called
Mann - Bracken,LLC who is involved in a new racket of Arbitration in which if you do nothing they will take it to court you dont show up because they are in Georgia an they file a judgement agaist you , an its then on your credit history .
I sent these guys a Respnse letter Do Not Contact or call will only deal with Creditor of origin an " DISPUTE Letter" on April 8 2004 USPS sign return Registered
on Aug 2 2004 they started contacting family members in another state multible time which violate Taxs collection laws. I recontacted them they claim never receiving Reg Letter.
What should I do with these people an can I file a cliam on there Surity Bond in Texas for this none responce to dispute letter an new phone harrasment
Robert Robbins
Copy below
April 8, 2004
Robert Robbins
P.O. Box xxxx
Montgomery, TX 77xxx
Mann-Bracken, LLC
2727 Paces Ferry Road
1 Paces West, Suite 1400
Atlanta, Georgia 30339
Voice (678) 801-2352
April 6 2004
Re: Case # xxxxxx
To Whom It May Concern:
This letter is being sent to you in response to your phone conversation with me on April 8 2004 at 1:15 PM Central time lasted 5 min which you hung up on me at 1:20 PM central time during our conversation . This is not a refusal to pay, but a notice that your claim is disputed.
Your are also requested to stop all telephone conversations with I do not have a phone ,I will deal only with debtor of origin.
Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt to you. Below are a few questions to answer which may help you to resolve these mistakes. I would also like a copy of the arbitration clause.
Finance Code Section 392.001 et seq. of the Texas Statutes governs debt collection practices in the State of Texas. These provisions generally mirror those prescribed under the Federal Fair Debt Collection Practices Act under 15 U.S.C. §§ 1692-1692(o). Specifically, the statutes require debt collectors to provide written response to disputes by consumers within 30 days of receipt of written notice, and make corrections to inaccuracies within 5 business days, prohibits conducts which constitute threats or coercion, harassment, unfair or unconscionable means, fraudulent, deceptive or misleading representations, deceptive use of credit bureau name, and use of independent collectors.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
------------ page 2
In addition to the questionnaire attached, please attach copies of:
·Agreement with your client that grants you the authority to collect on
this alleged debt
·Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.
·Any insurance claims been made by any creditor regarding this account
·Any judgments been obtained by any creditor regarding this account
.Proof that your collection company owns the debt/or has been assigned the debt
. Complete payment history, starting with the Creditor
. Copy of original signed loan agreement, credit card application. is satisfactory.
Best regards, an have a nice day.
Robert Robbins
----------------------- page 3
Debt Validation Form
Questionnaire to be returned to me for Account Case # 0426989
Original Creditor's Name:
Creditor’s Name Purchased from:
Creditor’s Name Purchased from if more than one:
1: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
2: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
3: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
Please indicated any credit bureaus to which you have reported negative marks:
Experian ______
Equifax ______
TransUnion ______
I have been dealing with a Debt collection Company called
Mann - Bracken,LLC who is involved in a new racket of Arbitration in which if you do nothing they will take it to court you dont show up because they are in Georgia an they file a judgement agaist you , an its then on your credit history .
I sent these guys a Respnse letter Do Not Contact or call will only deal with Creditor of origin an " DISPUTE Letter" on April 8 2004 USPS sign return Registered
on Aug 2 2004 they started contacting family members in another state multible time which violate Taxs collection laws. I recontacted them they claim never receiving Reg Letter.
What should I do with these people an can I file a cliam on there Surity Bond in Texas for this none responce to dispute letter an new phone harrasment
Robert Robbins
Copy below
April 8, 2004
Robert Robbins
P.O. Box xxxx
Montgomery, TX 77xxx
Mann-Bracken, LLC
2727 Paces Ferry Road
1 Paces West, Suite 1400
Atlanta, Georgia 30339
Voice (678) 801-2352
April 6 2004
Re: Case # xxxxxx
To Whom It May Concern:
This letter is being sent to you in response to your phone conversation with me on April 8 2004 at 1:15 PM Central time lasted 5 min which you hung up on me at 1:20 PM central time during our conversation . This is not a refusal to pay, but a notice that your claim is disputed.
Your are also requested to stop all telephone conversations with I do not have a phone ,I will deal only with debtor of origin.
Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt to you. Below are a few questions to answer which may help you to resolve these mistakes. I would also like a copy of the arbitration clause.
Finance Code Section 392.001 et seq. of the Texas Statutes governs debt collection practices in the State of Texas. These provisions generally mirror those prescribed under the Federal Fair Debt Collection Practices Act under 15 U.S.C. §§ 1692-1692(o). Specifically, the statutes require debt collectors to provide written response to disputes by consumers within 30 days of receipt of written notice, and make corrections to inaccuracies within 5 business days, prohibits conducts which constitute threats or coercion, harassment, unfair or unconscionable means, fraudulent, deceptive or misleading representations, deceptive use of credit bureau name, and use of independent collectors.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
------------ page 2
In addition to the questionnaire attached, please attach copies of:
·Agreement with your client that grants you the authority to collect on
this alleged debt
·Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.
·Any insurance claims been made by any creditor regarding this account
·Any judgments been obtained by any creditor regarding this account
.Proof that your collection company owns the debt/or has been assigned the debt
. Complete payment history, starting with the Creditor
. Copy of original signed loan agreement, credit card application. is satisfactory.
Best regards, an have a nice day.
Robert Robbins
----------------------- page 3
Debt Validation Form
Questionnaire to be returned to me for Account Case # 0426989
Original Creditor's Name:
Creditor’s Name Purchased from:
Creditor’s Name Purchased from if more than one:
1: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
2: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
3: Name of Debtor:
Address of Debtor:
Balance of Account:
Date you acquired this debt: If more than one:
This Debt was: assigned purchased
Please indicated any credit bureaus to which you have reported negative marks:
Experian ______
Equifax ______
TransUnion ______