Can you sue for punitive damages? I rather not post my state right now or the names of the companies but I have investigated them and know most of my states laws.
I was contacted by a debt collector the end of last year. I follwed up with a DV letter along with a complaint to the state. My state replied back that this company was already told to cease and desist once before and that they will tell them again. They still have not validated the debt and have it on only one of my credit reports but verified it 2 times. They will also not mark it as disputed..
I now get a letter in the mail from the same debt collector but when I opened the letter it had the name of a law firm. The person who signed the letter is an employee of the debt collector and tells me to contact her. The address and phone/fax numbers all belong to the debt collector and not the law firm.
So the debt collector failed again to cease and desist even after my state just told them to. Plus they are now using an attorney letterhead and are not an attorney nor is the attorney licensed to practice law in my state.
Do you think I have a good case against them? I would guess that now I would have to track down the attorney's address and include him in the lawsuit too.
I plan on waiting another month or so and see if they attempt to contact me again.
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Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
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The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.