2 companies collecting on a debt? I have two different companies calling me in relation to the same

I have two different companies calling me in relation to the same debt. I be told two different agenices couldn't do this. Where can i find more info regarding this to sort them stop. Niether of them are the first company I told the loan with.

I'd go to the resourceful debtor to either earnings them directly (I think you can disallow to go through collector, not sure) or find out from them who they sold your debt to. Don't pay cheque anyone without finding out, though!

analyse contained by various ways close to so many sites on web

Answers: If you are speaking to them on the phone - stop !!
Only business with them by messages and send everything certified post return receipt. Create a papertrail to protect your rights, for any complaints you may record with the BBB, FTC, yours and their AG's and for official action should you obligation to go that route (or if they should)

Order your reports and see if one or both are reporting.

Send both collection agencies debt validation correspondence. Make them prove which one actually have the right to collect, that the amount the are trying to collect is an accurate amount, that they are licensed and/or bonded in your state if your state requires it, and that you are still inwardly the collecting SOL for your state.

If one or both are reporting on your credit reports, after you receive the green card back from the certified mail of your validation request, file disputes near the CRA's.

Check the SOL for your state - see if you are still within SOL for collecting or if you have passed it.
If you are past the collecting SOL, you own the legal right to inform the collection agency that the debt is no longer rightfully collectible (and that basically tell them to take a hike)

If you have requested validation within the first 30 days from delivery their first dunning letter (or call), they would hold 30+5 days to respond to your validation request (the 5 days is for mailing time) If they don't they enjoy to stop collection activities until they provide it.

Since it sounds approaching you have be dealing with them for awhile(?), I'm simply guessing that you are past the first 30 daylight time frame.

That said, a collection agency does not have to respond to a validation request (made after the first 30 days), but by you sending one you are covering your basis in showing that you are trying to buy and sell with this (makes it look dutiful to a judge) and helps if you directory complaints against them.

You would still have to administer them the 30+5 days, from the date they signed the green card, to respond to your request before you dispatch anything else.
If you are past the collecting SOL, convey them a SOL letter after the 35 days or after they respond to your validation request - whichever comes first.

If you are still in SOL and you want to pay, engineer sure that they "properly" validate formerly you send anything concerning donation.
If they don't properly validate or don't respond at adjectives, send another validation request after you receive a response or the 35 days own passed.

When you find out which one has the actual right to collect - for the one that does not enjoy the right - file complaints beside the BBB, FTC, yours and their AG's.

When you receive proper validation from the correct collection agency, you are still within SOL and you want to remuneration, send them a pay cheque for delete letter (if they are reporting) and request that they adopt a portion of the debt as payment contained by full and they will remove anything they have placed on your reports upon pay-out (or not start reporting if they are currently not)

Make sure that you have a "written" agreement next to them. Do not pay by personal check, use a money decree or certified check.

I would suggest that you click on my profile and read through some of the links I have nominated - to the FDCPA, FCRA, the
one to find you states SOL, etc., etc.

Learn your rights and learn how to use them

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