Collections Law/collection

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Expert: Regan Shinski - 2/3/2010


Question
Hi- we had two calls actually from Falzone based in NY we live in OH.. now the gentleman stated he collecting for HSBC now... i informed him to send me documentation pertaining to the debt i dont make payments over the phone and i didnt know we had a debt with this named company.. Now this gentleman told me he would see us in court.. come to find out this company is being watched how do i get them to either provide proof or leave us alone?

Answer
You should send a formal letter asking for validation of the debt under the Fair Debt Collection Practices Act (FDCPA).  Send it certified mail, return receipt requested.  In the letter, you state that you want future communication to only be in writing.  This should stop them from calling you and if they do call you more than once after receiving the letter, they have violated federal law.  This action will not prevent them from suing you if they want, but that is another issue.

Good luck, I hope this helps.

Regan

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Regan Shinski

Expertise

I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit credit reporting.

Experience

Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA University of Minnesota

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