CA question

[Trish]

Originally Posted by jjgross

Different states have different results,except for texas anyone with a billy club can collect in the south the good old boy states.

LOL......actually Texas has pretty good consumer laws. I'm from Texas.

[jjgross]

Originally Posted by Trish

LOL......actually Texas has pretty good consumer laws. I'm from Texas.

Yes i know all the family is from Texas.Denton Childress wellington.:D

[Maygen13]

Originally Posted by Trish

Ok, the reason why I was asking is.......Riverwalk Holdings is located in Deleware. ARM is in New Jersey.

I checked and CAs do not have to have a CA license in SC........but they do have to have a business license. Out of state collectors are not required to have a license in your state BUT I found out that they do have to be registered with the Secretary of State.

Soooooo..........what you could do is check on both of them and see if their state requires them to be licensed or bonded.

I really don't see any blatant violations in the letter. So I'm just trying to think of other things you can look into.

So I would need to check with SC to see if they are registered with the Secretary of State?

On the back of the letter it has several states listed (not SC) stating that they are legally allowed to collect in that state.

[Maygen13]

Okay so I just did some digging and see that ARM is registered in SC, however, Riverwalk holdings is not. Would this make any difference?

[Trish]

Originally Posted by Maygen13

Okay so I just did some digging and see that ARM is registered in SC, however, Riverwalk holdings is not. Would this make any difference?

Hmmm......I don't think so since it's ARM collecting for Riverwalk.
You may want to call your SOS and see what they say though......just to be sure.

[Maygen13]

Okay so if they are allowed to collect in my State, where do I go from here. Should I send a DV letter and see what they say. I mean this is third party collections at this point, what are the chances that they will have the necessary paperwork?

[Trish]

Originally Posted by Maygen13

Okay so if they are allowed to collect in my State, where do I go from here. Should I send a DV letter and see what they say. I mean this is third party collections at this point, what are the chances that they will have the necessary paperwork?

It's really hard to say if they will have the proper validation.
I know this one is within SOL.....so you could be sued. If they do provide proper validation, you will more than likely need to discuss a settlement/payment plan.

On the other hand.....if they cannot provide proof.......they have to cease collection activity. Or even if they have proof but they violate laws in the process of trying to collect on you,....that can give you some leverage to get them to go away. So you have to keep a very good papertrail with this one..........if they screw up even once.....you have them.

The one thing I can't see is how they can tack on an extra $500. That doesn't seem right. Those are some steep collection fees......which I don't think they can do unless SC laws are different. That is something you should look into.

So I guess it all comes down on how safe you want to play this.

[Maygen13]

I was thinking about it last night and I think I am going to leave well enough alone, for now...

The only thing I was thinking is, in the letter it states that if we do not contact them in writing w/in 30 days the office will assume the debt is valid. Is this a way to trick me into asking for validation?

Niether riverwalk or arm are reporting on my husbands CR...

[jjgross]

Originally Posted by Maygen13

I was thinking about it last night and I think I am going to leave well enough alone, for now...

The only thing I was thinking is, in the letter it states that if we do not contact them in writing w/in 30 days the office will assume the debt is valid. Is this a way to trick me into asking for validation?

Niether riverwalk or arm are reporting on my husbands CR...

You could leave it alone it's a double edge sword it's just a little harder to remove,but it can be removed!

[Trish]

Originally Posted by Maygen13

I was thinking about it last night and I think I am going to leave well enough alone, for now...

The only thing I was thinking is, in the letter it states that if we do not contact them in writing w/in 30 days the office will assume the debt is valid. Is this a way to trick me into asking for validation?

Niether riverwalk or arm are reporting on my husbands CR...

That is understandable.

And that statement just means if they don't hear from you, they will assume the debt is yours and continue collection activity. You ALWAYS have the right to validation.