Collection Agency Not Licensed in the State I Live……Now What?

Mar 132011
 

Dear Forum Members,

 

I had some time to waste today, so I went online to find out if a Collection Agency that is giving me problems is licensed in my state (Florida).  I searched all over, and I could not find them as being licensed in the state for collection activity.

 

My question is now what do I do?  I assume that there has to be a way of getting them to stop trying to collect on the debt, but is there a way to make them remove the information from my credit reports?

 

I did a quick look to see if there was a sample letter on the forum, but I did not see one.  Any information or thoughts would be much appreciated.  Thank you.

Hard Inquiries from an Unlicensed CA

Mar 082010
 

So, I’ve been having a mental battle about what to do with my plethora of inquiries.  Almost all of them are from CAs and, it seems, are PP.  However, I have a few that ran hard inquiries two or three times in a month (same CAs).  In my opinion this is defamation and willful injury.  I have been considering the Pay Me Succa letter, with a modification for D&WI. 

 

That’s when I discovered that several of said CAs aren’t licensed to practice in New York.  Do I have a leg to stand on with the combination of defamation, willful injury and not being licensed?

 

I do know all about the argument that inquiries only count for a year and go away after two.  That’s not what this posting is about.  I’m respectfully requesting no advice on that topic.  Please and thank you.  :smileyhappy:

 

My Credit Saga;

 

 

 


Message Edited by TheCakeGirl on 03-08-2010 10:03 AM