Nov 6, 2014
first my father received a call from Randall Young, I'm sure an alias, who promptly violated 3rd party disclosure laws to my father. When I contacted him, I cited the FDCPA, and requested original substantiating documents of the alleged debt. I explained that if he could substantiate the debt, I would happily address the matter. He immediately became aggressive, stating that all he had was a settlement agreement for me to sign, which of course doesn't substantiate the debt unless I were to sign it. After I explained that all calls on my phone are recorded, he promptly hung up. It was easy enough to find the corporate office, so I sent a cease & desist via registered email (rpost.com) and fax explaining that I would be meeting with my father to determine if I would file a formal complaint with the AG of LA & GA, and that if I was contacted again prior to supplying substantiation of the debt as the FDCPA REQUIRES, that I would file a formal complaint with both AGs immediately...
within an hour, I received a letter from the corporate office:
Dear Mr. B
We apologize for any inconvenience we have caused. Upon your request, U.S. 1 Financial, LLC will no longer be in contact with you reagrding (CAQSE#XXXXXXXXX). We also advise you keep a copy of this letter for your own records."
UNSIGNED OF COURSE! THIS COMPANY PURCHASES DEBT, BUT DEBT PURCHASERS RARELY ARE SUPPLIED WITH ANY SUBSTANTIATING DOCUMENTS OTHER THAN A SPREADSHEET OF ACCOUNTS. NEVER AGREE TO ANYTHING FROM COCKROACHES LIKE THIS UNTIL THEY SUBSTANTIATE THE DEBT IN A WAY THAT WILL STAND UP IN COURT!!! YOU HAVE RIGHTS!!!