Re: Bodog Collections email
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It depends how hard you want to fight. The easiest thing might be to just pay $400. If you don't pay and stay on top of it you should be able to collect something form the collectors. Generally collection agencies ignore the FDCPA because the maximum they can lose to a law suit for it is $1k and most people that owe money hide rather than sueing these people. Generally after they violate the law you send them a draft of a complaint to be filed in federal court and they send you a check and go away.
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Can you go into a little more detail about this?
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Well there are laws outlining what a third party debt collector can do in the collection of debts. The damages for violating this law are capped at $1000 per action (at the federal level) so they they feel pretty free to violate this law because most people that have unpaid debts are sophisticated enough to sue them. 2 weeks ago a collector called my wife for a hospital bill that had in fact been paid. They called 7 minutes prior to the time they could legally call. We emailed their corporate counsel asking for $1k in damages, she emailed back offering $850. We had a check less than a week later.
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