Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: PA

Complaint narrative:
Collection Agency refused to acknowledge my Validation of Debt letter ( below ) and chose to have a Sheriff serve me with an Arbitration Summons hoping I would default in 20 days without answering them, which I in fact did on XX/XX/year>. 


RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> RE : Your Debt Collection letter XXXX XXXX XXXX XXXX Unsecured Credit Card Account ending in XXXX. 
XXXX XXXX XXXX as of XX/XX/year> : {$16000.00}. 
Your Reference No : XXXX Your letter dated : XX/XX/year> Dear RAS LaVrar , LLC : VALIDATION OF DEBT XXXX. Your claim is disputed, and validation is demanded. I require proof of who the personal guarantor of this debt is by sending me within 30 days, from the date of this letter, the original signed wet ink loan agreement of who is personally liable for this debt. 

2. Within the original loan agreement from XXXX XXXX, on file, there is an arbitration clause, so further collection of this debt is void without first completing Arbitration in the local XXXX XXXX XXXX XXXX in XXXX 

3. I am forever Judgement proof with zero assets, am currently retired and all my income is from social security, which is protected by Federal Law. 

4. If you continue your attempts to collect this debt or seek judgement for the payment of this debt, without first providing all accurate written documentation I have requested, you will be in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

5. You must cease and desist all further collection attempts, including any contact with myself, others, or attempt to sell this debt ; or report this debt as delinquent to all business and personal credit reporting entities if you fail to provide the demanded documentation listed in this correspondence or a Class Action Lawsuit will be following within 60 days of the date of this letter. 


6. In addition, the above debt can not accrue any fees or interest beyond what is allowed by state law, or by contract with the original creditor. 


7. I demand proof that you are licensed to collect and practice collection law in the state of Pennsylvania. 


I look forward to receiving all the original wet ink guarantor agreement documents by XX/XX/year>, showing proof of your alleged debt that you are claiming I in fact owe. Bank statements will not be acknowledged. 

Any further correspondence sent must only be by XXXX Mail, with a name and signature, and not a template from your organization, or you will receive no further correspondence from me due to potentially fraudulent activity. 

This is an official letter, not a template and should be taken seriously and considered a legal document and will be filed with a motion to compel Arbitration. 

No attempt was made to safely seal your collection letter when sent and was available to the public for identity theft. If any identity theft occurs, your company will be held personally responsible. 


CC : File, CFPB Attachments : original copy of your letter. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation