Add the following to the language above (after the sentence about disputing the debt).   "As such, kindly provide verification of said debt, and kindly do not contact me again until you have provided me with said verification".


If you send a dispute/verification letter that says you dispute the debt and request verification, per the law, they cannot call or contact you again until they have provided proof of the debt.  Most of the times the debt has been sold again and again and the collector does not have legit proof of the debt, and as such, they have to leave you alone.   Now you could just "dispute the debt" and tell them to pound sand without requesting the "verification", but you're probably going to want to know whether they have proof and can later sue you.   The request for verification requires them to provide proof.    Note, if they do have proof and the debt is legit, you can still settle it for way less than the original amount (keep in mind that they pay literally pennies on the dollar for your debt).    Or, you can still dispute the debt after they've provided verification, tell them not to contact you at all, and they will have to, per the law, leave you alone or file a lawsuit.  They are not allowed to keep calling you and writing you after you've disputed the debt and instructed them not to contact you.

Also, if you do return their calls, for the love of God, don't give these idiots any personal info about yourself other than your name and the phone number they have already called.

Hth

THANK YOU SO MUCH I WILL DO

"Poff" it is illegal for a debt collector to call you at work.  All you have to do is give a verbal warning on the phone that you cannot receive personal calls at work.  Hunt & Henriques will tell you *any* lie they can to make you think they will.  They will threaten all kinds of things.

Send a simple USPS certified mail to them with the following,

"I dispute your claim.  All calls to my home, place of employment, family or friends are inconvenient.  You do not have authorization to call my cellphone."

This will force Hunt & Henriques under the law to prove their claim.  It will also give you protections under the FDCPA.  Google FDCPA, Debtorboards.com and creditinfocenter.com.  If you inform yourself, you will beat these scumbags.

SO YOU ARE SAYING I REQUEST THE FORM FROM THE ONES THAT CALLED ME OR I SEND THEM A CERTIFIED LETTER REQUESTING IT?????

How do I get that form?

They call me at work and bug and I'm not supposed to receive any personal calls at work

Michael Scott Hunt  
Hunt & Henriques
151 Bernal Rd #8
San Jose, CA 95119-1306

Phone Number (408) 362-2270
Fax Number (408) 362-2299

If you're in California and these b*****ds file a collection action against you, do not be afraid. Step into the b*****ds. I'm not a lawyer and this isn't legal advice. So these folks sued your butt. Do not panick. What do you do now if you don?t want to or simply can?t pay the debt? The very first thing you do is request a Federal Fair Debt Collection Practices Act debt VERIFICATION. You do this for two reasons. First and most importantly, it buys you some time. Under the FDCPA, all collection activity must cease until the attorney puts that verification in the mail to you. The verification is usually a simple statement signed by the creditor and it will not take the collection attorney long to obtain it. But for that brief period, nothing will happen. Secondly, it sends a signal to the collection attorney that you are not going to be a roll over debtor. He knows you will be active in the defense of the suit. A high percentage of collection suits simply proceed to default judgment without any response from the debtor. This request moves you out of that category. Now, some simple advice. Don?t use a form from the internet to make the FDCPA verification request. I?ve seen a lot of them lately and they ask for information and documentation the FDCPA doesn?t require the collection attorney to give you. That tells the collection attorney you really have no idea what you are doing. The form letters also make threats which simple irritate the collection attorney. And perhaps simplest enough, they are wrong. The FDCPA operates on the least sophisticated debtor standard so you don?t have to be fancy. Just make sure you do it in writing and I?d send it certified mail. Simply ask the attorney to verify the debt in accordance with the FDCPA. Next, don?t be antagonistic or stupid. Don?t threaten the lawyer or lie. Don?t threaten to sue him or report him to the Bar or say you have an attorney if you don?t. These tactics don?t intimidate collection lawyers and simply mark your file for extra special attention. Finally, a certified mail written request for an FDCPA verification may end the collection process. That is true in a very small percentage of cases, but it is worth taking as a first step.

Apparently they answer the phone as a law firm