Complaint Review: Credit Collection Sevice - CCC Credit Collection Services - Newton Massachusetts

Credit Collection Services (CCS) has been contacting me via USPS for a while for an invalidated debt on behalf of Progressive Ins. Co. Just as I can say that Credit Collection Services owes me $50,000, they can say that I owe them anything. Unless they can validate the debt, the claim is mute. I have send them pursuant to the Fair Debt Collections Practices Act 15 USC 1692g. Sec. 809 (b), request for validation of debt.

I sent this certified mail and have all the mail receipts and every piece of paperwork involved since they have first contacted me. They sent me back a computer print-out of what looked to be a dot-matrix, print-out, copy of what is in their file. This could have been printed in sanscrit for all the sense it makes. This is not validation of debt. They failed to inform me of how they calculated the debt, failed to provide me with any legal documents that prove I agreed to pay the debt they say I owe, failed to provide me with any judgment, and failed to provide me with their license numbers and agent of my state. I specifically stated that unless they can provide me with legal documentation pursuant to the above law, that they cease and desist all communication. They have not provided me with legal documentation of validated debt, yet they still continue to send me increasingly aggressive letters. The last one is threatening to contact legal counsel in my area for a suit.

Now, I have to check my credit reports monthly to ensure that CCS has not illegally reported me to any credit reporting agency.

I really hope they do report me to a collection agency and pursue a lawsuit. I have a handfull of lawyers willing to take my case on contingency should this happen. The debt is invalid and CCS, nor the assignor, has any chance of proving that this alleged debt is valid.

As I mentioned before, anyone can say that anyone owes them anything. However, the burden of proof is on the party making the claim. CCS can send you all the mail it wants, claiming you owe them. But, it's all empty without validation. Research your rights and don't ever be afraid to challenge a claim you feel is unfounded. Apparently, CCS rests its hopes on intimidation tactics and the hopes that those it attacks are not knowledgeable enough to fight back. You can -- it's just a couple clicks away on the internet. Save your paperwork, research your rights. Remember, an invalidated debt reported to a collection agency is equal to defamation of character, and illegal.

Actually, the agency has the burden of proof to show the debt is valid, not the other way around. They need more than a sheet of paper with a name and account number to do so. Did they send you your right to dispute with the initial letter (or shortly thereafter). That is required by law. You have the right to dispute and you have the right to request validation of the debt within 30 days of receipt. Send a letter, return receipt requested, telling them to validate the debt. DO NOT SIGN THE LETTER! If they even bother sending you validation, look it over carefully, some of these agencies are quite good at manufacturing documents. Conduct all business in writing. Do not call, it will do you no good and could likely hurt you. This may be a legit mistake, if it is and they are a good company (I suppose some collection agencies are), it will be fixed if you take proper steps to resolve it.

Actually, the agency has the burden of proof to show the debt is valid, not the other way around. They need more than a sheet of paper with a name and account number to do so. Did they send you your right to dispute with the initial letter (or shortly thereafter). That is required by law. You have the right to dispute and you have the right to request validation of the debt within 30 days of receipt. Send a letter, return receipt requested, telling them to validate the debt. DO NOT SIGN THE LETTER! If they even bother sending you validation, look it over carefully, some of these agencies are quite good at manufacturing documents. Conduct all business in writing. Do not call, it will do you no good and could likely hurt you. This may be a legit mistake, if it is and they are a good company (I suppose some collection agencies are), it will be fixed if you take proper steps to resolve it.

To whom it may concern, I am a former employee of the Credit Collection Services companies and I will tell you this. CCS does not generate it's information out of thin air. The reason they sent you a bill for collections is because the insurance company has you in their files and THEY placed you with collections. In order to dispute this ballance, and I have no doubt you were told this when you were contacted by CCS, all you need to do is send a photocopy of your declarations page for your current insurance as proof that you do not have this insurance company. Other than that, you have a legitimate debt in the eyes of CCS and it is YOUR burdeon to dispute it or pay for it. This has been a report by The Truth (The Truth is out there)