According to FTC Law § Communication in connection with debt collection [USC 1692c] (a) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- (1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumerIn the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after o'clock anti meridian and before o'clock postmeridian, local time at the consumer's location; (2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or (3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication (b) COMMUNICATION WITH THIRD PARTIES Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector (c) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy If such notice from the consumer is made by mail, notification shall be complete upon receipt (d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator I am stating for again, I DO NOT have a contact with Meade & Assocnor it it my policy to deal with Debt Collectors, A Cease & Desist letter has been sent, and and they fail to comply by deleting the items from by Credit reportsAny debts that I may have will be settled with the original debtor not Meade & Assocor anyone elseI have already filed a claim with the Ohio Attorney General's Office Your complaint reference number is: [redacted] Failure of Meade & Assoc to delete negative information from Equifax, Transunion & Experian will result in me also filing a claim with the FTCI DO NOT Contract with Meade & AssocThey are in violation violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA) and have not honored my Cease & Desist Regards, [redacted]
We have sent *** *** multiple letters Admittedly, the first two went to an old address that was provided by our client Only the second letter was returned by the postal service to our office However, we sent an additional letter to the address *** *** provided in her
complaint on 3.31.2014, nearly months prior to *** *** paying her balance, which happened on to our client and posted in our system on We also made phone calls prior to payment to ###-###-####, the same number *** *** provided as her daytime phone # in the complaint We did everything we could to try and reach *** *** prior to having the account reported to her credit In looking at our client system, they also had conversations with her after the bill was incurred and prior to it being placed with our office Because we have an obligation to report true and accurate information to the credit bureau's, we cannot delete We must report that the account was placed in collections, and that it is now a paid in full account Nothing *** *** will say can change the situation If *** *** feels strongly that this is still not her fault, we suggest she file a consumer statement on her credit report where she can tell her side of the story regarding this account
Attached you will a copy of the check that was mailed as proof to Mr*** As he claims he didn't receive it, we will provide proof once again Should Mr*** decide to resolve the balance, we will gladly update the credit report to show he has paid the balance in full However, there is no reason to have the account deleted from his credit report, and therefore, we will not be doing so
*** *** did send us this letter Sorry if he feels our office was rude to him, however, we wonder if he feels that way because he is not being told what he wants We will recap the entire dispute and hope that the Revdex.com will see nothing has changed in this situation, he just simply sent the same letter he has been sending.*** *** is now offering to pay $provided we delete if from his credit This is a valid debt It will not be deleted He then goes on to say that if we don't respond, he will request validation If the Revdex.com recalls, we validated the debt prior to the complaint, but also in the interest of resolving, provided a copy of the check in our response, and said check is still attached to the complaint We have validated and have no obligation to do so again He ends by stating "I would like an equitable resolution to resolve this and clear my credit!" We cannot settle this balance We cannot delete it from his credit report If and when he pays, we will update the credit report to show he has paid the balance in full procedure is to do so monthly, however, again, we extend the olive branch and will document that should *** *** pay the balance, we will, notify the credit bureau's in an expedited manor
First, *** *** asks for no more calls to his employer, which was flagged in our system on to not call again So, no more calls will be made to that location Second, he wants us to accept his payment off *** *** has offered $per month on a bill with the
balance of $ At that rate, the repayment plan would take years We cannot work with someone for that long on one account We are willing to accept payments, but as it was explained to *** *** multiple times (most recently on is that we need a loan denial showing he cannot get a loan for the balance On he told us he would not do so because he didn't want to pay interest On 8.27.14, he told us he applied for a loan and was denied Upon receiving proof of that, we are happy to discuss a payment program to repay the debt We will not discuss a payment plan through the Revdex.com as we find it easier to talk over the phone for a repayment program However, response to the need to accept payments, is that we are happy to do so, but *** *** needs to understand that the amount he was offering isn't sufficient based on the age and balance of the account If he would prefer to speak with someone else, he is welcome to call us at ###-###-#### and ask for *** to discuss payments However, we would need a copy of the loan denial to justify to our client why we are accepting payments in the first place
You are ignoring my stipulation in my cease & desist letter which states
1) Since
it is my policy neither to recognize nor deal with collection agencies, I
intend to settle my account with the original creditor, if I ever am able
and the statute of limitations hasn't run outYou are attempting to force me to deal with you and your company vs deleting the negative information in the credit bureaus
The solution is simple and your choiceAgain I have already filed a claim with the Ohio Attorney General's Office, Complaint reference number is: ***And you don't even have a contact name/person with your company for this complaint. I DO NOT Contract with Meade & Assoc., failure to comply with result in me filing with the FTC & The Consumer Finance Protection Bureau (CFBP), you can respond to these agencies, since you don't have a desire to want to settle the matter hereThe inflexibility of Meade & Assocyour inability to recognize or comply with the my stipulation of my Cease & Desist is causing this issue
You are hereby notified under the provisions of Public Laws
95-and 99-361, also known as the Fair Debt Collection Practices Act,
that your services are no longer needed or desired in this matter, Yet Meade & Assocignores this, and contracts without a contract, which violated the Law.
Regards,
*** ***
We have reached out to our client concerning the allegations alleged by *** *** *** *** first claims that his first knowledge of the bill was after receiving a notice from our office In speaking with our client, they sent bills (1.1.12, & 3.6.12) to the address ***
*** lists in his complaint Our client also received a phone call from *** *** doctors office *** ***) stating that he had ***, and that he had also received bills from our client but disregarded them because he had never been to our client All of this was before our office received the collection account of *** *** Since it has been in our office, we sent out first notice to *** *** on We have also made phone calls to the number provided to our client (###-###-####) prior to speaking with *** *** Once it was here, he asked for proof and we supplied that on After that, *** *** talks about the *** call to our client He alleges our client hung up on them Client notes show *** hung up on our client pending a transfer It does not matter regarding who hung up on who, it could simply be that the call disconnected or something along those lines We will not supply a response regarding who hung up because in the end, it does nothing but disparage one side or the other, and that isn't the goal At the end of the day, the call dropped and *** didn't initiate a return phone call However, our client did bill *** on and received an EOB denying payment on (both are shown in the attachment) *** *** also talks about a phone call to our client asking for certain things Again, while this issue isn't with us, we will reply that on 3.24.14, our client send the necessary data to him
Regarding the only issue that *** *** brings up regarding our office is he wasn't happy with our representatives For that, we apologize for any misunderstanding He is welcome to call our office back and speak with a supervisor (*** or ***) and they will assist him in any way possible However, our client did everything they could to help *** *** resolve the bill For whatever reason, our client didn't get the *** info in time to bill Therefore, unless *** ***'s can get *** to pay this bill, the balance will remain the responsibility of *** *** We are happy to update his credit report to show the account is paid once paid We also suggest that *** *** file a consumer statement on his credit report if he would like to explain his reason for having the bill on his credit report
I have not received any copy of anything from this company and if the items are not removed, I will be filing with the Ohio Attorney General & FTC asap...I do not contract with Meade & Assocand not deal with collection agenciesRemove Immediately!
Regards,
*** ***
Mr. [redacted], you initiated this conversation and we have an obligation to respond to the Revdex.com. We have not reached out to you regarding this situation since we received your cease & desist, nor will we. However, should you continue to keep rejecting our responses, we will be obligated to respond. However, we hope the Revdex.com closes the complaint as they can see we have made an effort to respond and, rather that provided valid response, you keep making accusations that do not make sense. We feel that you did not enter into the dispute resolution program with any intent to mediate a response. As this time, any further correspondence regarding the same issue will not be responded to outside of the same response. However, if you wish to raise a different issue, we are happy to attempt to mediate a responsible solution.
Yes, they were in fact rude to me. However, this is not acceptable. Meade & Assoc can infact settle the debt the way that I propose. As it stands right now, paying this debt has no impact on my credit. I will repeat, a paid collection item has zero impact on my credit, it does zero for my credit score. There is no law stating that Meade & Assoc. can't delete the item when it is paid. This is simply they way they choose to do business. They are choosing NOT to negotiate with me at all. What are they doing to resolve this issue? Nothing. The want the item paid and I want it off my credit. They CAN make this happen, they are choosing NOT to, and treating people like assets! The only reason why I filed this is beacuse they ignored me and were very rude when I contacted them. The solution is simple; I wll pay the debt if and only if Meade & Assoc deletes the item, which is Legal and something that they CAN do, and we ALL be done with this. Treat people like people and stop being heavy handed and this issue will be settled. Right now no one is winning, they are not paid and my credit is not cleared. Be reasonable. I will remind them that the Ohio Attorney has this complaint on file is also very interested in the outcome.
Regards,
[redacted]
According to FTC Law
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior
consent of the consumer given directly to the debt collector or the
express permission of a court of competent jurisdiction, a debt
collector may not communicate with a consumer in connection with the
collection of any debt --
(1) at any unusual time or place or a time or place known or which
should be known to be inconvenient to the consumer. In the absence of
knowledge of circumstances to the contrary, a debt collector shall
assume that the convenient time for communicating with a consumer is
after 8 o'clock anti meridian and before 9 o'clock postmeridian, local
time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an
attorney with respect to such debt and has knowledge of, or can readily
ascertain, such attorney's name and address, unless the attorney fails
to respond within a reasonable period of time to a communication from
the debt collector or unless the attorney consents to direct
communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows
or has reason to know that the consumer's employer prohibits the
consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section
804, without the prior consent of the consumer given directly to the
debt collector, or the express permission of a court of competent
jurisdiction, or as reasonably necessary to effectuate a post judgment
judicial remedy, a debt collector may not communicate, in connection
with the collection of any debt, with any person other than a consumer,
his attorney, a consumer reporting agency if otherwise permitted by law,
the creditor, the attorney of the creditor, or the attorney of the debt
collector.
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector
in writing that the consumer refuses to pay a debt or that the consumer
wishes the debt collector to cease further communication with the
consumer, the debt collector shall not communicate further with the
consumer with respect to such debt, except --
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may
invoke specified remedies which are ordinarily invoked by such debt
collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term "consumer" includes the
consumer's spouse, parent (if the consumer is a minor), guardian,
executor, or administrator.
I am stating for again, I DO NOT have a contact with Meade & Assoc. nor it it my policy to deal with Debt Collectors, A Cease & Desist letter has been sent, and and they fail to comply by deleting the items from by Credit reports. Any debts that I may have will be settled with the original debtor not Meade & Assoc. or anyone else. I have already filed a claim with the Ohio Attorney General's Office Your complaint reference number is: [redacted]Failure of Meade & Assoc to delete negative information from Equifax, Transunion & Experian will result in me also filing a claim with the FTC. I DO NOT Contract with Meade & Assoc. They are in violation violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA) and have not honored my Cease & Desist.
Regards,
[redacted]
We have not had communication with [redacted] since 7.10.14 when we received his cease & desist letter. We also provided him with a copy of the check back in February 2012 as requested (prior to his cease & desist). This is a valid debt and will continue to be reported as such...
until we receive proof that it is not. As the cease & desist was in place prior, we will continue to honor the request and not correspond to [redacted].
According to FTC Law § Communication in connection with debt collection [USC 1692c] (a) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- (1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumerIn the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after o'clock anti meridian and before o'clock postmeridian, local time at the consumer's location; (2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or (3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication (b) COMMUNICATION WITH THIRD PARTIES Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector (c) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy If such notice from the consumer is made by mail, notification shall be complete upon receipt (d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator I am stating for again, I DO NOT have a contact with Meade & Assocnor it it my policy to deal with Debt Collectors, A Cease & Desist letter has been sent, and and they fail to comply by deleting the items from by Credit reportsAny debts that I may have will be settled with the original debtor not Meade & Assocor anyone elseI have already filed a claim with the Ohio Attorney General's Office Your complaint reference number is: [redacted] Failure of Meade & Assoc to delete negative information from Equifax, Transunion & Experian will result in me also filing a claim with the FTCI DO NOT Contract with Meade & AssocThey are in violation violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA) and have not honored my Cease & Desist Regards, [redacted]
We have sent *** *** multiple letters Admittedly, the first two went to an old address that was provided by our client Only the second letter was returned by the postal service to our office However, we sent an additional letter to the address *** *** provided in her
complaint on 3.31.2014, nearly months prior to *** *** paying her balance, which happened on to our client and posted in our system on We also made phone calls prior to payment to ###-###-####, the same number *** *** provided as her daytime phone # in the complaint We did everything we could to try and reach *** *** prior to having the account reported to her credit In looking at our client system, they also had conversations with her after the bill was incurred and prior to it being placed with our office Because we have an obligation to report true and accurate information to the credit bureau's, we cannot delete We must report that the account was placed in collections, and that it is now a paid in full account Nothing *** *** will say can change the situation If *** *** feels strongly that this is still not her fault, we suggest she file a consumer statement on her credit report where she can tell her side of the story regarding this account
Attached you will a copy of the check that was mailed as proof to Mr*** As he claims he didn't receive it, we will provide proof once again Should Mr*** decide to resolve the balance, we will gladly update the credit report to show he has paid the balance in full However, there is no reason to have the account deleted from his credit report, and therefore, we will not be doing so
*** *** did send us this letter Sorry if he feels our office was rude to him, however, we wonder if he feels that way because he is not being told what he wants We will recap the entire dispute and hope that the Revdex.com will see nothing has changed in this situation, he just simply sent the same letter he has been sending.*** *** is now offering to pay $provided we delete if from his credit This is a valid debt It will not be deleted He then goes on to say that if we don't respond, he will request validation If the Revdex.com recalls, we validated the debt prior to the complaint, but also in the interest of resolving, provided a copy of the check in our response, and said check is still attached to the complaint We have validated and have no obligation to do so again He ends by stating "I would like an equitable resolution to resolve this and clear my credit!" We cannot settle this balance We cannot delete it from his credit report If and when he pays, we will update the credit report to show he has paid the balance in full procedure is to do so monthly, however, again, we extend the olive branch and will document that should *** *** pay the balance, we will, notify the credit bureau's in an expedited manor
First, *** *** asks for no more calls to his employer, which was flagged in our system on to not call again So, no more calls will be made to that location Second, he wants us to accept his payment off *** *** has offered $per month on a bill with the
balance of $ At that rate, the repayment plan would take years We cannot work with someone for that long on one account We are willing to accept payments, but as it was explained to *** *** multiple times (most recently on is that we need a loan denial showing he cannot get a loan for the balance On he told us he would not do so because he didn't want to pay interest On 8.27.14, he told us he applied for a loan and was denied Upon receiving proof of that, we are happy to discuss a payment program to repay the debt We will not discuss a payment plan through the Revdex.com as we find it easier to talk over the phone for a repayment program However, response to the need to accept payments, is that we are happy to do so, but *** *** needs to understand that the amount he was offering isn't sufficient based on the age and balance of the account If he would prefer to speak with someone else, he is welcome to call us at ###-###-#### and ask for *** to discuss payments However, we would need a copy of the loan denial to justify to our client why we are accepting payments in the first place
You are ignoring my stipulation in my cease & desist letter which states
1) Since
it is my policy neither to recognize nor deal with collection agencies, I
intend to settle my account with the original creditor, if I ever am able
and the statute of limitations hasn't run outYou are attempting to force me to deal with you and your company vs deleting the negative information in the credit bureaus
The solution is simple and your choiceAgain I have already filed a claim with the Ohio Attorney General's Office, Complaint reference number is: ***And you don't even have a contact name/person with your company for this complaint. I DO NOT Contract with Meade & Assoc., failure to comply with result in me filing with the FTC & The Consumer Finance Protection Bureau (CFBP), you can respond to these agencies, since you don't have a desire to want to settle the matter hereThe inflexibility of Meade & Assocyour inability to recognize or comply with the my stipulation of my Cease & Desist is causing this issue
You are hereby notified under the provisions of Public Laws
95-and 99-361, also known as the Fair Debt Collection Practices Act,
that your services are no longer needed or desired in this matter, Yet Meade & Assocignores this, and contracts without a contract, which violated the Law.
Regards,
*** ***
We have reached out to our client concerning the allegations alleged by *** *** *** *** first claims that his first knowledge of the bill was after receiving a notice from our office In speaking with our client, they sent bills (1.1.12, & 3.6.12) to the address ***
*** lists in his complaint Our client also received a phone call from *** *** doctors office *** ***) stating that he had ***, and that he had also received bills from our client but disregarded them because he had never been to our client All of this was before our office received the collection account of *** *** Since it has been in our office, we sent out first notice to *** *** on We have also made phone calls to the number provided to our client (###-###-####) prior to speaking with *** *** Once it was here, he asked for proof and we supplied that on After that, *** *** talks about the *** call to our client He alleges our client hung up on them Client notes show *** hung up on our client pending a transfer It does not matter regarding who hung up on who, it could simply be that the call disconnected or something along those lines We will not supply a response regarding who hung up because in the end, it does nothing but disparage one side or the other, and that isn't the goal At the end of the day, the call dropped and *** didn't initiate a return phone call However, our client did bill *** on and received an EOB denying payment on (both are shown in the attachment) *** *** also talks about a phone call to our client asking for certain things Again, while this issue isn't with us, we will reply that on 3.24.14, our client send the necessary data to him
Regarding the only issue that *** *** brings up regarding our office is he wasn't happy with our representatives For that, we apologize for any misunderstanding He is welcome to call our office back and speak with a supervisor (*** or ***) and they will assist him in any way possible However, our client did everything they could to help *** *** resolve the bill For whatever reason, our client didn't get the *** info in time to bill Therefore, unless *** ***'s can get *** to pay this bill, the balance will remain the responsibility of *** *** We are happy to update his credit report to show the account is paid once paid We also suggest that *** *** file a consumer statement on his credit report if he would like to explain his reason for having the bill on his credit report
I have not received any copy of anything from this company and if the items are not removed, I will be filing with the Ohio Attorney General & FTC asap...I do not contract with Meade & Assocand not deal with collection agenciesRemove Immediately!
Regards,
*** ***
Mr. [redacted], you initiated this conversation and we have an obligation to respond to the Revdex.com. We have not reached out to you regarding this situation since we received your cease & desist, nor will we. However, should you continue to keep rejecting our responses, we will be obligated to respond. However, we hope the Revdex.com closes the complaint as they can see we have made an effort to respond and, rather that provided valid response, you keep making accusations that do not make sense. We feel that you did not enter into the dispute resolution program with any intent to mediate a response. As this time, any further correspondence regarding the same issue will not be responded to outside of the same response. However, if you wish to raise a different issue, we are happy to attempt to mediate a responsible solution.
Yes, they were in fact rude to me. However, this is not acceptable. Meade & Assoc can infact settle the debt the way that I propose. As it stands right now, paying this debt has no impact on my credit. I will repeat, a paid collection item has zero impact on my credit, it does zero for my credit score. There is no law stating that Meade & Assoc. can't delete the item when it is paid. This is simply they way they choose to do business. They are choosing NOT to negotiate with me at all. What are they doing to resolve this issue? Nothing. The want the item paid and I want it off my credit. They CAN make this happen, they are choosing NOT to, and treating people like assets! The only reason why I filed this is beacuse they ignored me and were very rude when I contacted them. The solution is simple; I wll pay the debt if and only if Meade & Assoc deletes the item, which is Legal and something that they CAN do, and we ALL be done with this. Treat people like people and stop being heavy handed and this issue will be settled. Right now no one is winning, they are not paid and my credit is not cleared. Be reasonable. I will remind them that the Ohio Attorney has this complaint on file is also very interested in the outcome.
Regards,
[redacted]
According to FTC Law
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior
consent of the consumer given directly to the debt collector or the
express permission of a court of competent jurisdiction, a debt
collector may not communicate with a consumer in connection with the
collection of any debt --
(1) at any unusual time or place or a time or place known or which
should be known to be inconvenient to the consumer. In the absence of
knowledge of circumstances to the contrary, a debt collector shall
assume that the convenient time for communicating with a consumer is
after 8 o'clock anti meridian and before 9 o'clock postmeridian, local
time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an
attorney with respect to such debt and has knowledge of, or can readily
ascertain, such attorney's name and address, unless the attorney fails
to respond within a reasonable period of time to a communication from
the debt collector or unless the attorney consents to direct
communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows
or has reason to know that the consumer's employer prohibits the
consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section
804, without the prior consent of the consumer given directly to the
debt collector, or the express permission of a court of competent
jurisdiction, or as reasonably necessary to effectuate a post judgment
judicial remedy, a debt collector may not communicate, in connection
with the collection of any debt, with any person other than a consumer,
his attorney, a consumer reporting agency if otherwise permitted by law,
the creditor, the attorney of the creditor, or the attorney of the debt
collector.
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector
in writing that the consumer refuses to pay a debt or that the consumer
wishes the debt collector to cease further communication with the
consumer, the debt collector shall not communicate further with the
consumer with respect to such debt, except --
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may
invoke specified remedies which are ordinarily invoked by such debt
collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term "consumer" includes the
consumer's spouse, parent (if the consumer is a minor), guardian,
executor, or administrator.
I am stating for again, I DO NOT have a contact with Meade & Assoc. nor it it my policy to deal with Debt Collectors, A Cease & Desist letter has been sent, and and they fail to comply by deleting the items from by Credit reports. Any debts that I may have will be settled with the original debtor not Meade & Assoc. or anyone else. I have already filed a claim with the Ohio Attorney General's Office Your complaint reference number is: [redacted]Failure of Meade & Assoc to delete negative information from Equifax, Transunion & Experian will result in me also filing a claim with the FTC. I DO NOT Contract with Meade & Assoc. They are in violation violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA) and have not honored my Cease & Desist.
Regards,
[redacted]
We have not had communication with [redacted] since 7.10.14 when we received his cease & desist letter. We also provided him with a copy of the check back in February 2012 as requested (prior to his cease & desist). This is a valid debt and will continue to be reported as such...
until we receive proof that it is not. As the cease & desist was in place prior, we will continue to honor the request and not correspond to [redacted].