Topic: 坛子上的XDJM，因公司服务有问题（开花账），有争议，没按它开的帐单付账。它请了一个讨债公司催款。今天刚收到讨债公司的信，信上威胁说如不按数付款，会影响信用记录和采取进一步行动。不知哪位有应付讨债公司的经历，感谢您的建议！ @SF湾区华人论坛:SF湾区枫下论坛 The Rolia Forum of San Francisco

枫下茶话 / 法律 / 坛子上的XDJM，因公司服务有问题（开花账），有争议，没按它开的帐单付账。它请了一个讨债公司催款。今天刚收到讨债公司的信，信上威胁说如不按数付款，会影响信用记录和采取进一步行动。不知哪位有应付讨债公司的经历，感谢您的建议！ -reallier(Real Lier); 2012-3-9 (#7344536@0)

1. REQUEST A DEBT VERFICATION 2. WRITE A CD (CEASE AND DESIST LETTER). IF CREDIT REPORTS HAVE ANY LISTING, WRITE LETTERS TO CREDIT BUREAUS TO DISPUTE. -c__wang(c); 2012-3-9 (#7344550@0)

YOU NEED BOTH 1 AND 2, ONE SHOT NOW WITH TWO DOCS. -c__wang(沙耶博士); 2012-3-10 (#7346893@0)

博士，昨天受到collector的信，信内未写期限，一般多长时间我应该回复？多谢！ -reallier(Real Lier); 2012-3-11 (#7347009@0)

Typical legal docs are 30 days calendar. I recommend sending letters ASAP -c__wang(沙耶博士); 2012-3-11 (#7347018@0)

博士，很奇怪，这个讨债公司措辞到庭严厉，但Collection Notice竟然用平信连个挂号信都没用。在考虑有没有必要理会它？ -reallier(Real Lier); 2012-3-22 (#7376771@0)

很正常。他们买的 DEBT，越少花钱越好。要在信里说的 DEADLINE 前写俩个信：1. Debt verification requestion; and 2. Cease and Desist letter. Send them out, better certified (U.S. term) or registered. Then wait and see. -c__wang(自私的寄生虫); 2012-3-22 (#7376947@0)

错过 DEADLINE 不是什么大事，他们总不能来烧房子。积极回答，态度强硬就是了。 -c__wang(自私的寄生虫); 2012-3-22 (#7376950@0)
CA的信是3月5日的，要求当天（Today)付款给它，否则如何如何。没给期限。多谢！ -reallier(Real Lier); 2012-3-22 (#7377087@0)

就是讨债公司（Collection Agency), "In order to keep your credit rating intact and to avoid any further action being taken against you, it is imperative taht you send the full payment to our office today” -reallier(Real Lier); 2012-3-22 (#7377150@0)

多谢！ -reallier(Real Lier); 2012-3-22 (#7377283@0)
hi, I sent a registered the debt validation&desist letter on March 26. But got another letter from collection agency from different person on March 28. The letter says:"The letter says:"
This letter is to inform you that we are acting on behalf of the above-mentioned client. Your account has been placed with our agency for collection.

Be advised taht your delinquent acount has been referred to our office for assessment and recommentation. It is imperative that you send payment to our office within 5 business days from the date of this letter" -reallier(Real Lier); 2012-4-7 {385} (#7417918@0)

Debt was sold again. Do the same letter to them immeidately, registered mail with return receipt. Again, 1) request for debt verification; 2) fully dispute all charges; 3) reserve all rights to fight. -c__wang(王C); 2012-4-7 (#7417926@0)

Different person but same collection agency. And they haven't reply my March 26 letter yet. Can I ignore this one, it's also just a regular letter. Thank you ! -reallier(Real Lier); 2012-4-7 (#7418230@0)

So what this letter for and how should I respond? In my letter I asked the copy of licenses and the detailed items of my account but haven't got anything yet. Thanks -reallier(Real Lier); 2012-4-7 (#7417924@0)

IF YOU WANT TO SETTLE WITH THIS COLLECTOR, USE 15%-40% AS REFERENCE. IT CAN VARY DEPENDING ON HOW NASTY THE COLLECTOR IS. I WOULD GIVE THEM UP TO 35%. -c__wang(c); 2012-3-9 (#7344553@0)

PLAY HARDBALL AS MUCH AS YOU CAN. -c__wang(沙耶博士); 2012-3-10 (#7346928@0)
EVEN THOUGH GO TO SMALL CLAIM COURT, YOU STILL GET A CHANCE FOR A MEDIATION (I THINK). OFFER 50% THEN, AND THREATEN TO DRAG THIS FOREVER. SEE HOW THE OPPONENT RESPONDS. -c__wang(沙耶博士); 2012-3-10 (#7346940@0)

讨债公司屁用不顶，唯一的伎俩就是不断地骚扰你，根本就不必去理会。但是债主可以去小额法庭告你。如果债主赢了，债主就会用很多手段强制你还，包括强行从你的帐号上把钱划走，不光原来欠的钱，还要追加利息，律师法庭费等等。所以只有你确认你有理才可以不理会债主。 -2841999(大熊瞎子); 2012-3-9 (#7344668@0)

其实我真正担心的是这儿的讨债公司会不会跟国内的一样有黑社会性质，那我就需要衡量值不值冒这个险。不过“债主”是有点恶心和过分，官司打了两三年、花了几万刀， -reallier(Real Lier); 2012-3-10 (#7346989@0)

什马结果也没拿到；感觉和对方律师串通一气，拖延时间，简单问题复杂化。TRIAL报价1.5万,我按要求预交，文件准备一部分，又因它未能按时缴文件不得不延期大半年。去年底TRIAL结束后，同样的文件事情，又开出1.4万的价码。当然这混蛋合同里没有半点承诺只是说尽力。无奈 -reallier(Real Lier); 2012-3-10 (#7346994@0)

Only bail bond guys hunt people here. -c__wang(沙耶博士); 2012-3-10 (#7346995@0)
在没有法庭要求你付款的正式判决之前，你们之间的纠纷属于争议，任何人没有权利强迫你付款。既然你们之间已经打到法庭上了，就不应该有第三者（讨债公司）介入。你可以让律师写信给债主要求停止骚扰。这些骚扰信件你也全部保留，将来可能对你的判决有利。 -2841999(大熊瞎子); 2012-3-11 (#7347601@0)

这个信就是 CEASE AND DESIST LETTER。IN US, THERE IS A FEDERAL ACT - FEDERAL CREDIT ACT 什么的。CREDITORS MUST FOLLOW THIS FEDERAL ACT。 -c__wang(沙耶博士); 2012-3-11 (#7347603@0)

@San Francisco