What does this mean?
1125 GRAND BLVD., STE 600 KANSAS CITY, MO 64106-25 -- I got a letter from a company named Kramer & Frank, P. C. The letter says RE: Lowes consumer account / GE MONEY BANK
REF: my husband & I names
Dear, MT. and Mrs. Meyers:
Unless you notify us within 30 days after receipt of this letter that the validity of this debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writting of a dispute, we will obtain verification of the debt and mail it to you. Also, upon your written request within 30 days, we will provide you with the name and address of the original creditor if different from the current creditor.
Kramer & Frank, PC
Pay online: www.kfpay.com
to discuss this account, contact:collection administration, at (
That's the summery of what was on the notice letter the top portion was for me to make a payment & send back to them (Kramer&Frank, PC) with my account info on it. It did not say they are now the new party in charge of collecting my debt nor if they were taking me to court but its by, an attorney collection administrative. I am going to call first thing as well as write but I have disputed this debt in January 2010, and still no one has contacted me back. After calling & calling & writting I even faxed over all my prove to a lawyer "Larry Smith attorney at law" the lawyer I found online to help me in January.
Still they continue to send me collection notices & ask about other claims that are invalid like "cognizable claims", what else can I do or that can be done??
I am going to try writting my State attorney general office write a letter to the complaint board and complain to the BBB. That's all I know I need a real lwyer that I can pay after or if I win, or talk with someone that knows the law so I don't have to look everything up online.
ANYBODY HAVE ANY HINTS/ SUGGESTIONS/COMMENTS/ HELP/ ADVICE for me about this letter or this current issue?? Please