Quote:
Originally Posted by rogerthert
I am pretty sure that the client to the ca (in this case pg&e) should update the ca that owns the debt. in most cases, faxing them a proof of payment is all you need to do. i don't blame you for not wanting to pay a ca, but sometimes if you pay their client, or your provider, it delays the process. and also, threatening them with lawyers dosen't really do much, atleast not with the agencies i've heard of. i know their not the most pleasant people to deal with, but i like it that way. that's what keeps me out of collections.
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The thing is I paid the original creditor (PG&E) BEFORE it even went into collection, almost a year ago, and I have written proof. That is the only reason I mentioned legal council in my letter to the CA.
If I legitamently owed this money (still), I would not have mentioned calling my attorney; that would be asking for them to come after me hard. In this situation, I am holding all the cards. They are violating my rights according to the Fair Debt Collection Practices Act by attempting to collect on a debt that has been settled and I let them know I know my rights.
I did it to get my point across that both parties messed up and get them to fix it immediately.
I sent letters to both PG&E and the collection agency, certified mail, with copies of the payment receipt I received from PG&E back in January. If they don't respond and/or place a trade line on my credit reports, I can sue both the CA and all three credit bureaus for violations of the FCRA and the FDCPA. I don't want it to come to that, but it is nice to know I have the option, if I have to. I really just want them to fix it....now.
10-31-2008, 02:11 AM
Re: CA trying to Collect on Paid Debt
