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Debt Consolidation Forums Collection agencies and creditors

M. Callaghan and Associates-Legit?



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Sub: M. Callaghan and Associates-Legit?
Wed, 31/03/2010 07:12

I am from Minnesota and the last few days this collection agency has called and said to call them. I may have a payday loan from years back that I didn't pay but I was wondering if this company is legal to collect. What should I do about their calls. Does anyone have any information for me regarding this company?



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Sub: #1 Agreed~ Send them a debt validation letter. You can take help Thu, 04/01/2010 - 00:35



Agreed~

Send them a debt validation letter. You can take help of the available sample letters to write one for yourself. Customise it to suit your needs.


goldenbast
goldenbast


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Sub: #2 I have never heard of them but collection agencies keep popping Wed, 03/31/2010 - 21:41



I have never heard of them but collection agencies keep popping up like daisies. Send them a debt validation letter. You can also take the call or call them back to inform them that they now have 5 days to send you a dunning letter. When they do send it, then send them a debt validation letter within the 30 days from when they sent you a letter. If they don't send you a letter, send them a validation letter after the five days are up and inform them that they have already just violated.


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