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Collections Law/CBCS from a PO Box in Columbus Ohio

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Expert: Creditwrench - 7/15/2009


Question
Hello,

They claim to be CBCS from a PO Box in Columbus Ohio, and their supposed client they claim to be Sprint. They send me letters to settle some debt I have NEVER had. Their letter has no signature, only "Account Representative" and a phone number. Their letter says they'd accept 50%of what they claim is owed to them.

I don't want to have any communication with these people, b/c they are likely to be a scam, unescrupulous, and unethical. In order to dispute their claim they will most likely ask me further personal information which I won't allow them to have. IMHO any serious organization should do its homework before sending threatening letters at random people. My guess is that they operate as follows, someone gets a name like mine, which is pretty common, and matches it to an address in some database, and there yo go, all of the sudden, this guys owes them money and must pay. And that's a practice that must be stopped.

I want to stop these people from calling and harassing me, and if possible, to punish them, and make an example, so it will be a benefit for the population of honest people who have no debt due, and are being threatened by these "companies" of low lifes.

Are you aware of some class action suit against these practices, or company?

Have they the right to collect personal information about me?

Have they the right to check/change my credit report?

Can they interfere/seize/lien my assets?

How are they violating my rights?

What can I do about it?

Your help is greatly appreciated.

Sincerely,

Richard


Answer
You have asked so many questions that I have had to put them on a Google document sheet. If I had not done that it would have come out to be a mess trying to read it. The document sheet is located at

  http://docs.google.com/View?id=dfbnbmv_42dnnqn8gd  

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Creditwrench

Expertise

Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.

Experience

I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.

Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.

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