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Is it legal for them to do this sell my debt to more than one company? I have sent them a certified debt validation letter. I live in MN. BTW this was a internet loan so I faxed them a copy of a voided check I never wrote a check and I made 1 payment to them.
You should be aware that writing fraudulent checks can come with both civil and criminal penalties, such as possible jail time and fees.

We helped you with credit and you have neglected to settle the debt in a timely manner!! Your outstanding balance with us is $275 ! It is of great importance that you understand we transfer customers to our out source Legal Agency that will affect your check writing privileges and additionally land you into legal trouble if you do not comply with the payment plan set up!!

All of your information listed below can and will be transferred to several COLLECTION AND LEGAL AGENCIES:
Social Security Number
Home Phone Number
Work Phone Number
Fax Number
Work Supervisor
Relatives phone numbers
Friends phone numbers
Bank information
Your name is in the report that will be sent to our COLLECTION AGENCY!! To avoid the sharing of all your personal information to various legal agencies for collections you must send us your first payment of ONLY $40 in form of a Money Order by July 7th, 2008!!

You can also pay through a Checking or Savings Account to make automatic debits only on dates you wish to be charged, JUST EMAIL ME BACK OR CALL ME AT MY TOLL-FREE NUMBER!!!

Send your Money Order or Cashier's Check to:

Cash Advance USA
PTY 741
P.O. Box 025724
Miami, FL 33102

Fax a copy of the Money Order to our toll free fax no: 1-877-520-4308, with your ssn to assure the payment money order has been purchased and will be sent out.

PTY 741 P.O.BOX 025724 MIAMI, FL 33102
Phone: (866)840-0440 / Fax: 877-520-4308 Email: legal (@)
Confidentiality Notice: This message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure, or distribution is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

one question,how much was your one payment?also save that
e-mail.threatening to give out your personal information is
illegal.if i were you i would file BBB,AG,and FTC complaints.
print that email and send it along with your complaints.since it
sounds like they are the original creditor validation doesn't
apply,but they are from the looks of it illegal,so file those
complaints asap.

Sub: #1 posted on Sun, 07/06/2008 - 18:32

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Actually if they are going to turn the account over to the collection agency and all of that info they listed was part of the loan application, then it is not illegal to turn that info over unfortunately. and Paul is right, if its the original creditor, they dont neccesarily have to validate.

HOWEVER, this email is full of some very empty threats-notice how they capitalize Collection Agency and Legal Agency to try to signify the importance. There is no "legal agency" that affects your check writing privileges, there is however telecheck (NOT Checksytems)which may make it so your check isnt accepted at certain places...but then just dont write a check anymore. Also, I am not 100% certain but I would check into the bad check laws for Minnesota. They note "civil and criminal penalties"..usually its one or the other....they have no idea.

Sub: #2 posted on Sun, 07/06/2008 - 20:13

jenoliver33 jenoliver33

(Posts: 56 | Credits: 4.35)

I don't think they can sell your account to several collection agencies at one time. However, whoever they sell it to can sell it to someone else, etc. So eventually, it could end up going through several different agencies.

Sub: #3 posted on Sun, 07/06/2008 - 20:46

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

the whole email is a sham!

Sub: #4 posted on Sun, 07/06/2008 - 20:50


dont they have to provide me with a complete account ledger history if I should so request? I think it is unfair that they should say that I owe a certain amount if they are not able to "provide" documentation

Sub: #5 posted on Mon, 07/07/2008 - 23:05


Yes, they definitely need to respond to your debt validation letter. Did you send it within 30 days of your first communication from them?

Sub: #6 posted on Tue, 07/08/2008 - 00:10

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

alias, the original creditor does not have to validate a debt and are not bound by fdcpa guidelines.

Sub: #7 posted on Tue, 07/08/2008 - 00:45


Oops, sorry! I didn't reread the original post!

But wouldn't the original creditor still need to furnish an account history statement if requested?

Sub: #8 posted on Tue, 07/08/2008 - 00:57

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

They arent bound by any law, such as the fdcpa, to do so unless Minnesota has its own collection laws that bound OC's to do so.

Sub: #9 posted on Tue, 07/08/2008 - 01:00


So basically, they don't have to follow any laws regarding collection practices? I'm not sure I understand how that works. I would have thought that if you ask for validation of a debt, they had to provide it. I may have been mistaken, but I want to make sure I know the laws for certain when I'm talking to these people. :)

Sub: #10 posted on Tue, 07/08/2008 - 02:14

jennifer_bailey75 jennifer_bailey75

(Posts: 154 | Credits: 19.82)

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