Pinnacle Credit Services is trying to collect a debt dated 2001 that has been sold to 3 different debt collectors. But, I payed one of the debt collectors almost 6 years ago and they will not give me the names of the previous debt collectors that owned my account and that the main owner (Verizon Wireless) sent me to. Verizon says they are not allowed to give me that information but they do have the three names of the debt collectors and said Pinnacle Credit Services should have that information, but they won't give it to me. Am I legally entitled to get the names of the previous debt collectors that I was sent to? I don't have the recipt from the debt collector I paid 6 years ago but they would have it on record so I need those 3 debt collection agency's names. Am I entitled to these names? Because they are threatening to take legal action if I don't pay, but they won't give me this information..
2007-01-31 13:50:50 · 6 answers · asked by woohookiwis 2 in Business & Finance ➔ Credit
In the FDCPA laws in section 809b it says... (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
When it says "or that the consumer requests the name and address of the original creditor," doesn't that mean they should give me the names of the previous holders of my account that i paid?
2007-01-31 14:11:05 · update #1
If the account was paid 6 years ago, or even if it was not and the last activity (you paying or charging something on the account) was that long ago, the statute of limitations is over. In most states it is three years. If the SOL is past, they can not sue you to collect the debt. All they can do is call you and try to harass you into making a payment.
They can only report the account to the credit bureau for 7 years. If it is on your credit report, you can file dispute of the debt, and they will be forced to either remove it or show proof of the debt.
Do not make any payment. That will start the SOL time over again!!!
Right now because of the SOL (statue of limitations) the bill collectors are SOL (S*** out of Luck)
2007-01-31 15:24:52 · answer #1 · answered by fire4511 7 · 2⤊ 0⤋
If you paid the debt 6 years ago then how did it end up being sold? Without a receipt or a cancelled cheque or some other sort of proof of payment, then you are probably going to have to pay it again.
The other thing you might try is to get a copy of your credit bureau (this should be free) from Trans Union or Equifax and see if the debt shows as being paid. The other thing you can check on your file is who made inquiries. This could be a way of finding out who the other collection companies were.
2007-01-31 14:17:41 · answer #2 · answered by Anonymous · 0⤊ 2⤋
NO: You are not in titled to the name of the creditor. I would break out the receipts of all the creditors I paid. Make sure you have the canceled checks available when you have to produce proof of payment. Tell the collection agency and the credit report company that the bill was paid to the collection company that had the task in a previous year.
The collection agency will either drop the case, or take you to court. At that time the judge will force the collection agency to prove that account was not in the hand of anyone you paid. Even if you have to pay, payment terms will have to be worked out, and court approval is required.
2007-01-31 14:04:14 · answer #3 · answered by whatevit 5 · 1⤊ 2⤋
I would think that you certainly entitled to that information. You could get a lawyer involved if they wont give you the info. The bad part is, depending on the amount of the debt, you could spend more money in lawyer fees than just paying the debt again (to get them off your back). It's the principle of it though!!!! You shouldn't have to pay it again. Ask to speak to a supervisor. You know how things like that go -- you get a different answer from everyone you talk to!!!
Good luck!!
2007-01-31 14:06:51 · answer #4 · answered by LHA 3 · 0⤊ 1⤋
If they are trying to collect a debt some someone with the name that was actually on the letter (not yours). They may be sending the collection letter to everyone in that town with the same last name hoping to get a relative of the person. Addresses and phone numbers can be found with the Internet or phone book search. You should check your credit just to insure you didn't have your identity stolen. If that is clear, just respond back to them in writing that you are not that person and you don't owe them the money.
2016-05-24 00:33:59 · answer #5 · answered by Anonymous · 0⤊ 0⤋
get all your reciepts and talk to a lawyer for the best advise
2007-02-04 02:08:16 · answer #6 · answered by jerry 7 · 0⤊ 0⤋