Maddocks Collection Services LLC
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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:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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My credit report shows Maddocks Collection Services reporting a debt in the amount of $855.00. I contacted Maddocks Collection Services today wishing to pay the debt off in full and asking them to email or mail a bill showing what it will take to pay the debt in full. I was informed that Maddocks Collection Services would not send me any type of bill or show me anything in writing.
Maddocks Collection Services is a “contingency” collection agency. I believe that means Maddocks Collection Services does not buy debt, and cannot sue you.
Maddocks Collection Services LLC will not validate my alleged debt. Maddocks Collection Services LLC is reporting on my credit report despite the fact that I have requested validation and they have not provided it.