Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IL)

They sent a some sort of paper stating to pay this debt. I sent the paper back certified mail stating provide purchase agreement stating that I have owe your for such debt. Show a signature that you and I have a contract. They have never provide no such thing.

. These people sent me three additional debts after I sent back a paper stating provide the purchase agreement. Show that I have a contract with you. They did not provide this information!!!. They also stated that they validated the debt. I do not owe these people anything. I did not sign any agreement with them. These be violated my rights by purchasing documents without my consent which is privacy. 

STATUTE OF FRAUDS The Statute of Frauds is a legal doctrine requiring certain types of contracts to be in writing and signed by the party or parties to be legally enforceable. This statute is meant to prevent fraudulent claims and misunderstandings in various contract agreements. 
Types of Contracts Subject to the Statute of Frauds : Contracts for the sale of goods exceeding a specific monetary threshold.

Real estate contracts, including sales and leases over one year.

Contracts that can not be performed within one year from the date of agreement. 
Suretyship agreements ( guaranteeing another partys debt ). 
Marriage agreements. 
Without a valid signature or written agreement from both parties, such contracts may be deemed invalid or unenforceable.

LEGAL VIOLATIONS AND PENALTIES FOR UNAUTHORIZED DOCUMENT ACCESS Unauthorized access, possession, or use of another persons private documents without their consent or signature is a violation of privacy rights and may constitute fraud. The following points outline the primary legal violations and potential penalties : 3.1 Privacy Violations Acquiring or using a document containing personal information without the owners consent may violate privacy statutes. Privacy laws protect individuals from unauthorized exposure of personal or confidential information.

3.2 Fraudulent Use of Documents Using or claiming another persons document without permission or signature constitutes fraudulent misrepresentation if used to deceive or mislead others or to gain benefit at anothers expense.

3.3 Breach of Confidentiality If the document in question is meant to be confidential, using it without permission is considered a breach of confidentiality, which could result in civil liabilities or fines.

3.4 Potential Penalties Monetary Damages : Individuals who suffer loss due to unauthorized document use may pursue compensatory and punitive damages in civil court.

Criminal Charges : Unauthorized access to personal information may result in criminal charges, depending on the jurisdiction and the intent behind the misuse.

Injunctions : Courts may issue orders to cease the use of the unauthorized document and prevent further unauthorized access.

4. REQUIREMENTS FOR A LEGALLY BINDING CONTRACT In line with the Statute of Frauds, for a contract to be considered legally binding and enforceable : 1. Written Agreement : The agreement must be documented in writing.

2. Mutual Consent : Both parties must have mutually agreed to the terms.

3. Signature : Both parties must provide signatures, indicating agreement to the terms and conditions outlined in the document.

4. Consideration : The contract must contain terms of consideration ( an exchange of value ) that both parties agree upon.

Without these components, any agreement or contract may not be enforceable in a court of law, and any party acting based on such an agreement may face legal challenges.

I am writing to formally request that you cease and desist all collection activities related to the alleged debt for Account # [ XXXX ], which you claim I owe. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request, in writing, that you stop contacting me about this debt. Therefore, from this point forward, I request that all communications related to this matter be terminated. Any further attempts to contact me, including phone calls, mail, or electronic communications, will be considered harassment and a violation of the FDCPA. 

If I have to go to court I will seek the maximum!!