FORT WORTH, TEXAS -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.
Thank you for your time in reviewing this letter.I was a co-signer for my ex-wife on an auto loan that became delequent.I was never notified of delequency on the account.I had already made several payments on the acount after we seperated.I was delivered a hand written note from a repo man stateing," if the 00 GMC in not in my posession by noon tomorrow we will involve the law call D.J. at 817-401-0132." I was concerened so I went and got the truck and turned it in in fear of getting charged with auto theft. I recently discovered that by leaving that letter with that statement they violated FDCPA Title VIII Debt Collection Prectices section 807 1, and 2.a usc1692e. as well as section 812 usc1692j.
As a resolution, I would like the following:
I am not denying that the acount was deliquent, however that does not give the debtor justification to violate state laws. Being delequent on a consumer debt is not a violation of any state law. I believe that they should remove this item from my credit permenantly. Again, thank you for your time. I will be happy to mail you a copy of the latter that was given to me by the debt collector. I can be reached by e-mail email@example.com
Please contact me if you need more details regarding this incident.