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Collection Agency Woes
I talked with somebody about a call that they received and wanted to make sure that anybody visiting this site is aware of how to deal with this kind of thing. The call was from a company called Jason Head LLC (I think), and they were trying to collect on a debt from 2000. To begin with, she doesn’t know anything about this debt. Upon asking for more information about it, though, she was yelled at about how she should know about it and everything like that. The woman on the phone even went so far as to call her a broke-ass bitch.
Now, I can’t even begin to tell you how many violations they had here, so I’m not even going to try. If you get any calls like this, then write down everything that happens. You also need to know what your rights are, given by the FDCPA. No collection agency employee is allowed to talk to you like that. Every single time they do, you’re entitled to a maximum of $1,000 for each violation.
To make matters worse, she was told that this debt was incurred in 2000. Pretty much anywhere she could be, this is going to be out of the statute of limitations for the state. Since it’s been 8 years, this debt is non-collectible. They can be fined for trying to collect on a debt that is outside of the statute of limitations.
With all of this going for her, I drafted up a complete cease and desist letter. I mean, they had her crying on the phone, trying to collect on a debt that they are not legally allowed to collect on. They’re just bottom feeders, trying to make a buck on a debt that may or may not be valid, and they don’t even care. If you’re interested, the company behind this is Jason Head LLC. That’s what she told me it was, but I haven’t checked too much into it. I did some searching online and found many other people who had the same situation. If you get any calls from them, be glad you’ve read this post on the site. I can almost guarantee that they are collecting on a debt that they aren’t legally allowed to collect on.
What do I recommend in this case? If you’re not comfortable with a full cease and desist, then at least send them a letter stating that they are not allowed to call you or anybody you know in an attempt to contact you. Tell them they can only contact you by mail. This will keep them from breaking down your spirit over the phone. The next step is to send a letter request validation of the debt. This can be done at the same time, though. I’ll post a sample debt validation letter later, but my point right now is to let you know what your goal is. Don’t give them any information. They will tell you that you need to prove the debt isn’t yours, but they’re lying to you. It is THEIR job to prove that they are allowed to collect on the debt. That’s what this debt validation letter does. Anyway, if you get tracked down by these bastards, trying to collect money that you don’t owe, remember everything that you read here today.
Good Luck
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