Claude Said:

Disputing item on Credit report: best course of action?

We Answered:

Isn't it a shame, most of those "gym" memberships just make you loose money instead of weight!
You have a few courses of action. First of all find out if this debt is "time barred" in other words, beyond your states time limit to seek civil actioin in court. Here is a link to find your states SOL
http://www.bcsalliance.com/statute_of_li…

Now if you know the debt is time barred, then you simply send the current collection agency a copy (certified mail/return receipt) of the following letter. You just fill in the blanks: It would appear that Riveria has sold the debt and is no longer involved.

Today's Date
Your Name
Your Address
Collector's Name
Collector's Address
RE: [insert account number or name of account or name of debt]:
Dear [insert collector's name or company name],
This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2008], concerning the collection of the above referenced [account or date].
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.


(Sign above name)
Printed Name


They will have 30 days to respond to inform you of what their actions are going to be (required by the FDCPA). If you do not hear from them, then send copies of the letter (along with copies of the USPS receipts) to all three CRA's and request the items on your credit report be removed. The CRA"s will then have 30 days to validate the debt, if they don't get the right answer from the collection agency, they will have to remove it from your report.

NOW> if you know this debt is beyond the 7 1/2 year reporting period to the CRA's and the collection agency re-dated the date of last delinquency, then you can seek civil suit against both the CRA's and the collection agency under the following:15USC1681s-2] § 623. Responsibilities of furnishers of information to consumer reporting agencies
a) Duty of furnishers of information to provide accurate information (1) Prohibition (A) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if-- (i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate.

Hope this answers your question
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.

Valerie Said:

Can anyone recommend any good Microsoft Access training course, preferably online and cheap/free ?

We Answered:

This should be a good start:
http://www.fgcu.edu/support/office2000/a…

Albert Said:

Question about college police academy

We Answered:

I am not familiar with POST because I live in Ohio, but it looks like you will be POST certified.

Vicki Said:

PDS TRAINING PIPING TRAINING with JOB ASSURANCE only @ BIBRAIN Chennai?

We Answered:

that's a good info
thnx

Arthur Said:

security guard training

We Answered:

NO!

This is a rip off. You can get the same training at any contract security company in California. You will have to pay for the LiveScan when you go to get your prints taken. The contract security company will train you and will take the cost of the Guard Card out of you first several checks. Schools like this are a HUGE scam..............