If Plaza Services has been contacting you to collect a past-due debt, but you don’t think you owe this debt, you should be aware of your rights. The Fair Debt Collection Practices Act (FDCPA) was enacted to protect you from unscrupulous or unfair debt collection practices. The FDCPA offers guidelines for both creditors or consumers and debt collectors or collection agencies. It was created to make the debt collection process fair and ethical. The FDCPA lets you ask for validation of the debt, so Plaza Services must provide you with adequate proof. You can also ask for specific documents regarding the debt in question. After you have sent a letter to Plaza Services requesting validation of the debt, they must stop all collection efforts until they provide you with the documents you have requested. You can ask for proof of the debt, the debt amount, and for a copy of the original debt agreement.
Drafting Your Letter to Plaza Services
If you aren’t convinced that the debt Plaza Services is trying to collect is owed to them, you should consult with an FDCPA lawyer in your area. Your attorney will gather up documentation and send any supporting documentation along with a well-written dispute letter to Plaza Services. The letter, which will follow FDCPA guidelines, will ask for the debt to be validated and will request specific information to be provided to you to show that you are the responsible party. You usually have 30 days from the day you receive the letter to dispute the debt and ask for validation of it. Usually, the laws don’t specify how long the collection agency has to respond to your request, but you can specify a time limit in your letter, such as 30 days. That way, if you don’t get a response from Plaza Services within 30 days, they haven’t validated the debt and the collection process must stop.
Actual Sample Letter
I am asking Plaza Services to provide me with specific information that is necessary to validate the debt that they are collecting. I am making this request based on 15 USC 1692g Sec. 809(b), which is the Fair Debt Collection Practices Act. I am demanding proof that shows I owe the debt. I am asking for proof of the original debt, the original creditor’s name, a copy of your agreement with the creditor authorizing that you collect the debt, information regarding any judgment, proof of the amount of the debt, a detailed payment history, a copy of the original credit agreement, and proof of when the last payment was made and the amount of that payment. Also, I want proof that the Statute of Limitations for collecting this debt has not expired and a copy of your license to collect debt in my state of residence.
If Plaza Services fails to provide the requested information and doesn’t respond to my request for debt validation within 30 days of receiving my dispute letter, all references to the debt should be deleted and completely removed from my credit history. Any future debt collecting attempts for this debt must cease. Failing to respond to my request would indicate that you are making an implied agreement that you would reimburse me for any legal fees, including attorney fees and court costs, should I choose to advance with this claim to court. You should indicate the reference number or account number in the document then sign your name before sending it to Plaza Services.
Talk to an Attorney Today
If Plaza Services is pursuing you for a debt that you don’t think you owe, you should consult with an FDCPA lawyer who practices in your area. You have a limited time to ask for debt validation or to dispute the debt, so you should make contact and make your request before it is too late to do so. If you wait too long, Plaza Services can continue with their debt collection and even if you don’t owe the debt, it will remain on your credit history. The FDCPA was enacted to provide you with rights and protection and to stop unethical debt collection, so be sure you take advantage of your rights and call an FDCPA attorney today.
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The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Plaza Services or any other third-party collection agency, you may not be entitled to any compensation.