Hmm... I need to find out myself. I don't know what is the right answer. I'll do some Googling and get back to you if I find an decent answer. You should email the people at Lending Tree as they probably could help you..

Matt, I sent it to RMA and all is quiet. Doesn't mean it has "worked" yet, but the collection has not been put on my reports...

Cool. Thanks Jlynn and everyone. I'm sending the letter today. The letter is worded rather good, it should make any CA think twice before pulling thier scam...

Hi Matt,.

Unfortunately, while transferring the letter to the sample board a good deal of important conversation about how to use it was lost..

There have been numerous success stories with the letter but there's no place for people to post an update, because that thread was deleted..

Anyway, it is most effective at warning the 2nd CA not to proceed with collections because that's a violation..

Your argument may not be with the 2nd CA because often the CA that assigned/sold it to them don't tell them that a val has been demanded. If they are blissfully unaware they would not be liable. That's what this letter is for, to make them aware..

However I WOULD definately include them in my lawsuit, and the OC as well, (provided it was an assignment)..

Mark, I do know has had a couple of successes with it too..

:)..

Here's a repost of part of a conversation we've already had about it...

Matt, Give me the name of EMCC and I will see if there doing biz under d.b.a.,, if there doing biz under d.b.a. and transferring your account ,,, id imagine it will open up a new can of worms for you to sling at them...

Well, Butch and others I am afraid that I have to disagree with what is being posted but only in a sense, in a manner of speaking I disagree..

So CA gets the debt from the creditor somehow. You demand validation. He don't want to validate or can't, whatever. His only legal option and his legal obligation was to return it to the creditor but for whatever reason he sell or assigns it to another collector. Obviously he has violated the law so we keep on pushing him even it he informs us he sold or assigned the debt and therefore now has no further responsibility. He will learn better the hard way a bit down the line..

You get the demand from the next collector and validate timely. He now has to go back to where he got the debt and demand that he validate the debt which is what he had hoped to escape. So he sits there waiting for the first slob to validate and now #2 is in the frying pan. So he turns it over to his attorney and in the meantime you are still pushing him down the same road as the fist one and you start the attorney down the same road. Now he has to go to his employer who once again has to go to #1 who isn't going to supply what the other two demand of him. So you get the attorney down the whole path and file suit on the 1st collector in his turn and then on the second one and then on the second one who calls in his attorney who files suit on you.

Now the attorney can't defend his clients because he has been named a party to the countersuit so the both of them now need attorneys who may well also get embroiled in the same mess and also have to go hire yet other attorneys to defend them..

And in the meantime you also file separate suits on each and every one of them for their violations..

Now then, that is only an example of the way you should look at the whole picture, not a statement that all of that can, might or should take place..

Just saying how I think one needs to look at the situation which is to wrap them up as tight as you can and give them as much grief as possible..

But when the first one dumps it improperly and the next one come trying to rattle you cage you should be laughing about it and not crying because now you have two or more fish on the same trot line..

When I go fishing I set out trot lines and when I run my trot lines I want to see a big fish on every hook...

That is awesome stuff Butch thanks a bunch! When I first read the sample letter, it seemed as though it would make any CA pucker up and think twice, but now I have full confidence :)..

Hello georgiaboy,.

The only names that I have so far on EMCC are-.

EMCC Inc. and Revgro and they live deep in the sewer in Illinoise LOL.

Thanks.

Matt..

The only times I have dealt with EMCC was with their NY offices. Guess I didn't know they also have offices in Ill...

You're right Bill I forgot about seeing the NY addy for EMCC thanks. These scum probably have offices set up all over the continental US...

I don't think so. Mitchell N. Kay is a NY lawyer and does have a branch office in some small jerkwater town in NJ but don't know exactly where that is..

It just so happens that I've met the louse and shook his hand several years ago, but he would not be likely to remember me from Adam's off OX and I probably wouldn't know him if I ever saw him again..

I've also ran into him many times since and he lost every encounter, most of which were over that mess of accounts he bought when X.com went belly up. He probably made a young fortune collecting from hapless individuals who didn't realize Kay could not actually collect any of them..

He really isn't one of the big players in the collections industry...

Revenue Maximization Group Inc, The.

(dba "Revgro") Garden City, NY Headquarters.

Revenue Maximization Group Inc., The.

(dba "Revgro") Albany, NY Branch.

Revenue Maximization Group Inc Brooklyn, NY.

Revenue Maximization Group Inc, The.

(dba "Revgro") Garden City, NY Headquarters.

Revenue Maximization Group Inc., The.

(dba "Regro") Elmsford, NY Branch.

Revenue Maximization Group Inc., The.

(dba "Revgro") Albany, NY.

Revenue Maximization Group Inc., The.

(dba "Revco") Eatontown, NJ Branch.

Now, let them pass it around inside there on company, id imagine it would become willful and malicious non compliance of the law..

Orrr, I could be wrong,, legal input anyone???..

I believe that there is at least one other name they operate under that you have not uncovered yet. And of course there may be more that I haven't uncovered either...

Bbauer | 3234 posts since Apr 2001 208.191.12.182 | 03.01.2003 @ 22:25.

I believe that there is at least one other name they operate under that you have not uncovered yet. And of course there may be more that I haven't uncovered either..

Bill Bauer.

Dont be shy,, do tell..

What is your point or question whichever the case may be?..