M. Callaghan and Associates-Legit?

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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?

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.

Sub: #1 posted on Wed, 03/31/2010 - 21:41

goldenbast goldenbast
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(Posts: 2885 | Credits: 380.48)


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

Sub: #2 posted on Thu, 04/01/2010 - 00:35

(Posts: 3602 | Credits: 364.02)

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