Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.Debt Collectors That Are Not Covered An institution is not considered a debt collector under the FDCPA when it collects Another institutions debts in isolated instances Its own debts under its own name Debts it originated and then sold but continues to service ( for example, mortgage and student loans ) Debts that were not in default when they were obtained Debts that were obtained as security for a commercial credit transaction ( for example, accounts receivable financing ) Debts incidental to a bona fide fiduciary relation- ship or escrow arrangement ( for example, a debt held in the institutions trust department or mortgage loan escrow for taxes and insurance ) Consumer Compliance Handbook FDCPA 1 ( 1/06 ) Debts, regularly, for other institutions to which it is related by common ownership or corporate control Other debt collectors that are not covered by the FDCPA include Officers or employees of an institution who collect debts owed to the institution in the institutions name Legal-process servers I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Communications in Connection with Debt Collection Definition of Consumer For communications with a consumer or third party in connection with the collection of a debt, the term consumer is defined to include the borrowers spouse, parent ( if the borrower is a minor ), guardian, executor, or administrator.

When, Where, and with Whom Communication Is Permitted Communicating with Consumers A debt collector may not communicate with a consumer at any unusual time ( generally before XXXXXXXX XXXX. or after XXXXXXXX XXXX. in the consumers time zone ) or at any place that is inconvenient to the consumer, unless the consumer or a court of competent jurisdiction has given permission for such contacts. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. 
If the debt collector knows that the consumer has retained an attorney to handle the debt and can easily ascertain the attorneys name and address, all contacts must be with that attorney, unless the attorney is unresponsive or agrees to allow direct communication with the consumer. 
XXXX XXXX XXXX XXXXsumers When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication. 


XXXX XXXXXXXX XXXX XXXX XXXX  ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

Company response to consumer: Closed with explanation