CONSUMER RESOURCES

When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

CALL US NOW

Day Knight and Associates

July 24, 2014 | Brent Vullings |

Address:

15559 Manchester Rd
Ballwin, MO 63011-3001

Contact Them:

Phone: (636) 405-1000
Fax: (636) 527-5708

http://www.map-embed.com/

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to continue on with any collection efforts until a debt is validated, if you have requested validation.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

    • 2 Comments

    1. Tom Lynch on October 4, 2016 at 3:52 pm

      These jerks keep calling and never leave a message. We have never received a letter from them which they are supposed to send. We have no debts other than our mortgage which is completely up to date.I guess it’s unheard of for a deadbeat to give false information about address and phone number. Website 800notes.com has several pages of complaints about them.



    2. Nancy Ham on August 30, 2017 at 2:32 pm

      I got a call the end of June 2017 from Day and Knight and the message she left was “Bitch”. Then I called the company and got nowhere. I got the same call and recorded message today saying: Bitch. I called them again and they blew me off saying they are professional and I couldn’t get a word in edgewise so I hung up. This is VERY upsetting to me. I lost my 34 yr. old son on May 26th, 2015 and have been in a deep depression since and will always be till I die. Please tell them to quit calling me a name/names. Thank you, Nancy Ham



    Share Your Experience





    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.