Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (LA)

This is a letter I sent to AWA Collections I am responding to your communication about a debt you are trying to collect. I contacted you by phone on XX/XX/2022 to inquire about the debt that was reported on my credit report as collections by you, on or about XX/XX/2022 and again XX/XX/2022. 

As discussed on XX/XX/2022, I had never received a phone call, letter, bill, much less an overdue statement from you or XXXX XXXX XXXX XXXX XXXX, before learning that you posted this collections account on my credit report. During our XX/XX/2022 phone call, I was advised that a letter had been mailed to my home address previously and a phone call was made to XXXX, a phone number that I have never owned. I advised you that in the almost XXXX years that my XXXX  child has been born, an invoice was not received by me, XXXX, nor has a payment been made by me, XXXX, but it has all been sent to or come from my childs father and my ex-husband, XXXX. As I am sure your records reflect, the invoices and payments are all sent to and received from XXXX XXXX that resides at XXXX. I was then advised that a partial payment of {$270.00} was applied on or about XX/XX/2022 but that a remaining balance of {$270.00} was still owed. 

As you know, the Fair Debt Collection Practices Act states that before a debt collector can report a debt to a credit reporting company, the debt collector MUST do one of the following : 1. Speak with you in person about the debt ; This was not done 2. Speak with you by telephone about the debt ; This was not done 3. Mail you a letter about the debt and wait a reasonable amount of time ; This was not done 4. Send you an electronic communication about the debt and wait a reasonable about of time for a notice that the message wasnt delivered. This was not done. 

I have enclosed a copy of all of my XXXX XXXX email notifications from XXXX from XX/XX/2022 through todays date, XX/XX/2022. This will show that the first and only receipt of any type of notification from AWA Collections on behalf of XXXX XXXX XXXX XXXX XXXX was not received until XX/XX/2022. 

I take my credit very seriously ; and, if you were to review my actual credit report, you would see that prior to you ruining it, I was standing at over 800 with exceptional credit. Since your untimely involvement, it has dropped approximately XXXX points, which will now affect my life as well and my childrens. **This statement is not giving you permission to review my credit** At this time, I kindly ask that you please supply the information below and, where appropriate, provide supporting documentation so that I can fully assess the validity of the claim. 

Please provide these details about why you think I owe the debt and to whom I owe it Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Details about the original debtor ( for debts on someone elses behalf ) : If you are asking me to pay a debt that somebody else is or was required to pay, please identify that person. 
Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt. 

Details regarding the amount of the debt The amount of the debt when you obtained it : Please confirm this. 
Itemization for added amounts : If any additional interest, fees, or charges have been added since the last billing statement from the original creditor, please list these ( including dates and amounts ). In addition, please explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Itemization for deducted amounts : If there have been any payments or other reductions since the last billing statement from the original creditor, please list these ( including dates and amounts ). 
Itemization for other changes : If there have been any other changes or adjustments since the last billing statement from the original creditor, please specify these. 
The last billing statement sent to me by the original creditor : Please provide a copy of this document. 
Other verification and documentation : Please provide full verification and documentation of the amount you are trying to collect, and explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Details regarding the age of the debt Relevant dates : Please tell me when you obtained the debt, when the creditor claims it was due, when it became delinquent, and when the last payment was made on this account. 
The statute of limitations : Have you made a determination that this debt is within the statute of limitations applicable to it? Please tell me when you think the statute of limitations expires for this debt and how you determined that. 

Evidence of your authority to collect this debt Local debt collection licensing : Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Nonlocal debt collection licensing : If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license ; the name on the license ; the license number ; and the name, address, and telephone number of the state agency issuing the license. 

I wish to have this information and documentation from you so that I may make an informed decision about whether I owe this money. In the meantime, please treat this debt as being in dispute and under discussion between us. 

Thank you for your cooperation.