Legal Question in Credit and Debt Law in Minnesota
I cerified a little to a dept collection i owe, they recieved it on march 14. On march 15 another company called and said they got it back as of the 15. All i wanted was the company orignal
creditor, amount, name on account. proof they have the right to collect this.
1 Answer from Attorneys
Hi,
I'm assuming your question is: Can the first debt collection company ignore your certified letter to them requesting the original creditor's name, amount you allegedly owe, and name on the account? The answer is yes -- they don't have to respond to your letter, but if they continue collection activity before responding to that letter validating any amount you might owe, then it is probably a violation of your rights.
You need to send the new company/collector a new certified letter requesting the information you had asked the first collector to provide you with.
In these types of situations, you should contact a consumer attorney for a discussion of what your rights, remedies, and obligations our. Our firm, MinCal Consumer Law Group focuses on this area of the law and we provide consumers with free consultations. You should call our Minnesota office at 952-314-1400 (toll free at 888-678-5550) or visit at www.mincal.com for more information on your rights.
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