 Thanks Trish
Ok....
When they send letters the letterhead is as follows:
CHASE (with logo) RED FLAG!
Chase Auto Finance
National Recovery Group
address
I am pretty sure this is an "in house" collector. Which like you said are not bound by the FDCPA.
I have not sent them a debt verification letter yet. I guess that is my next step, that way they have to disclose an itemized bill. And yes interest is accrued monthly so the balance is creeping up.
After looking around some and reading up on WhyChats posts, since this is a fresh repo, I have to wait to do anything about a repo deficiency for 2 years after figuring out the math i def have a deficiency so that's a good thing.
Thanks for your help Trish, I appreciate it!
Mysty
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