4 Stage Program
Stage 1:
Dispute using F.C.R.A.
(Fair Credit Reporting Act)
“The Fair Credit Reporting Act (FCRA) is a United States federal law (codified at 15 U.S.C. § 1681 et seq.) that regulates the collection, dissemination, and use of consumer information, including consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission and private litigants.”
- Wikipedia
Stage 2:
5 step process V.O.D.s
(Verification of Debts) using F.D.C.P.A.
The Fair Debt Collection Practices Act (FDCPA), 15 U.S. C. § 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
-Wikipedia
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Debt collector letter
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Dispute collection letter
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Fraud letter
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Statute of limitations letter
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Validation letter
Stage 3:
F.T.C. (Federal Trade Commission) follow up letter
“The Federal Trade Commission (FTC) is an independent agency of the United States government, established in 1914 by the Federal Trade Commission Act. Its principal mission is the promotion of “consumer protection” and the elimination and prevention of what regulators perceive to be harmfully “anti-competitive” business practices, such as coercive monopoly.”
- Wikipedia