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Stellar Recovery (it is to late to send debt validation letter?)

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Posts: 228
Credits: 2013.25
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I get my mail at my parent's house and my mom just found a letter from 4/10 from Stellar Recovery / Current Creditor Crown Asset Management for Household Bank Card. They are sayiing I owe $655.49 but will settle for $262.20. I have to notifiy them in 30 days if this isn't right which 30 days has passed because I just received the letter. I'm not sure this is my account and not my ex-husband's so I'd like to validate it!

Well from reading this forum I know NOT to screw around with this BS as I don't want a judgement or end up having sheriff visit.....

Is it too late to send a debt validation letter to them? Or do I just need to call them and set up payment plan? They will want $ now but I need to spread it over 5 payments starting July 15th...

Advise?




mont_tatum
Posts: 114
Credits: 1848.4

Sub: #1 I hope you have not called or sent them any money. It is not to
Sun, 06/21/2009 - 12:14

I hope you have not called or sent them any money. It is not to late to have them validate the debt. The law clearly states that your failure to request validation is not an admission of guilt. Send a validation letter certified mail and a cease communication letter in one. If they fail to validate the debt request they remove the debt. After you have sent the validation letter, check your credit report and see if they have noted the debt as disputed by consumer. If they do not you have a FCRA violation and a claim. I am not an attorney and this is not legal advice.




Unregistered

Sub: #2 Sending a C&D letter is asking for a lawsuit to be filed.
Sun, 06/21/2009 - 12:32

Sending a C&D letter is asking for a lawsuit to be filed.




mont_tatum
Posts: 114
Credits: 1848.4

Sub: #3 Not really, but you have to understand that anyone that gives co
Sun, 06/21/2009 - 12:43

Not really, but you have to understand that anyone that gives collection agencies a hard time, draws attention to themselves. But the law also says collection efforts have to cease when you dispute a debt. You have the right to tell them to only contact you by mail.




NASCAR_Devil


Posts: 4668
Credits: 30821.994972777

Sub: #4 If the debt is still w/in statute, then Guest is correct. A C&D
Mon, 06/22/2009 - 03:44

If the debt is still w/in statute, then Guest is correct. A C&D is a good way to get sued. You can ask for all contact to be via USPS but there's nothing in the FDCPA that says they have to. They can take your "limited C&D" as a full cease comm which can quickly lead to suit.




mont_tatum
Posts: 114
Credits: 1848.4

Sub: #5 They can use anything as a means to sue, but understand the cour
Mon, 06/22/2009 - 06:42

They can use anything as a means to sue, but understand the courts always want to know what you or they did to address a situation. If you go to court and say I attempted to communicate by mail and you gave them your address to communicate by mail, it looks like you tried to work it out in some fashion. They don't have to, but that can be a issue if asked.




Unregistered

Sub: #6 what is stellar rec. #???
Thu, 08/06/2009 - 14:32

I have been waiting on Stellar recovery to call me back. So I can make my final Payment and move on with my life. Its been 4 going on 5 months now and no calls. PLEASE HELP, WHAT THE HELL IS STELLAR RECOVERIES(debt collectors)CUSTOMER SERVICE NUMBER, so I can do there job for them; and get out from under this looming debt.




marysplace2
Posts: 109
Credits: 1695.7

Sub: #7 Name: Stellar Recovery, Inc. Phone: (406) 755-9522 Fax: (877
Thu, 08/06/2009 - 14:47

Name: Stellar Recovery, Inc.
Phone: (406) 755-9522
Fax: (877) 277-5520
Address: 1845 Highway 93 South, #310
Kalispell, MT 59901

Website: www.arsmt.com

Original Business Start Date: January 1999
Local Start Date: August 2005
Principal: Mr. Bob Peterson, General Manager
Customer Contact: Mr. Bob Peterson, General Manager - [email]bpeterson@arsmt.com[/email]
Employees: 67
TOB Classification: Collection Agencies
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: Ameriquest Recovery Services
ARS
Ameriquest Recovery Services, LLC
ARS Recovery Services LLC




Unregistered

Sub: #8 Quote:Originally Posted by mont_tatumThey can use anything as a
Tue, 10/19/2010 - 21:25

Quote:
Originally Posted bymont_tatum
They can use anything as a means to sue, but understand the courts always want to know what you or they did to address a situation. If you go to court and say I attempted to communicate by mail and you gave them your address to communicate by mail, it looks like you tried to work it out in some fashion. They don't have to, but that can be a issue if asked.



The collections company will never sue you. But a C&D will get the collections co. to stop calling you. What will happen after that, is what will get you sued. If the Co. receives a C&D (cease and desist) letter from you, they will no longer contact you, but will happen is this: you will lose all notification of that account with the collection co. you will not have a chance to make payments, or settle with the debt collection co. instead, your account will be given back to the original company, and they have all rights to sue, or continue in any way legally to receive their payment. A cease and desist is quite possibly the worst thing a consumer can do with a debt. It will stop the collection calls, but you will lose all control of any balance of any bill you have with the collection companies. You have to understand that not all collection companies are out to get you, there are those that give the rest very bad reputations, and shame on them for disrespecting honest, hard working people that have most of the time fallen on hard times. Respect for our fellow man is something that has long been lost, but there are a few of "us" (yes I am one of them) that truly care about others as well as ourselves. You would be surprised how human most of us are, and with a little understanding on both our parts, we can really help eachother :)




Unregistered

Sub: #9 One the amount that they say you owe is less then 5k which means
Thu, 06/30/2011 - 11:50

One the amount that they say you owe is less then 5k which means if they were to take you to court over non payment they would have to take it to small claims. They would then have to send non attourney. Because small claims courts do not allow attourneys, it is for citizen to citizen to sue for low amounts. Plus if they have never been in contact with you over the debt in over 7 year federal and some states say 6 years they no longer have any claim to money and can not put it on your credit report. best bet is if you really want to contact them and say it is not your write them back not my bill never had account with them, Don't not ever contact me again on this matter. They can call or send a letter but only after 6 months and if they call or write before that the state will fine them $5000. I just started writing I person no longer at this address. When they continued to send mail I put deceased and blacked out the window with the bill owners name.




OhioGal1


Debt Samaritan
Posts: 5256
Credits: 83047.196477606

Sub: #10 The original post on this thread is from 2 years ago.
Fri, 07/01/2011 - 06:31

The original post on this thread is from 2 years ago.




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