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Millennium Credit Consultants Inc

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to inform any third party that you owe a debt. This includes family, friends, and/or co-workers.

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. Francis P on November 8, 2015 at 7:10 pm

    Millennium Credit Consultants Inc will not validate my alleged debt. Millennium Credit Consultants Inc is collecting on a medical bill that I’m pretty sure was paid by my insurance.

  2. Clifton Boens on April 26, 2016 at 12:02 am

    I paid dish cable a one time payment of $53.00 through my bank TCF on the 25th of the same month. TCF without my permission and communication decided to take an additional $270.00 and send it to, unaware of this I continued to use my account until I went to the ATM, and it was overdrawn I went to the manger she told me to contact dish, having no other recourse I did after days on the phone they finally acknowledge the overpayment, they said they could only return the money to the bank so I went back to the bank told the bank what happen at that point they contacted Dish and they came to athat they would put the money back since it was the error and they would settle it with Dish at that point I assumed it was over, however Dish regened on their promise and TCF followed suit by reversing the replacement funds causing me to be in middle again in addition to overdraft fees, and the fact that my credit score is effected this is the nature of this letter.
    Now I need to know how the issue can be resolved.
    What the next course of action on your part. You find additional information attached to support my claim.

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