Bodog Collections email

[Squattage]

[ QUOTE ]
Dear Mr. xxxxxx,
Account: xxxxxx

This eMail serves as the first notice to confirm that your Bodog account
currently has an outstanding balance and has now been referred to the
Internal Collections Department for the purpose of credit reporting to
both Equifax and TransUnion.

You must contact us immediately to avoid your account being referred on
to a third party collections agency.

Call us toll free: 1-866-887-8422

Sincerely,

Accounts Department
Bodog.com - Sports, Casino, Poker
Toll free: 1-866-887-8422

[/ QUOTE ]

I have not played at Bodog for over a year and this is the first they are telling me about this?

I am extremely confused and don't know what to do.

I do vaguely remember getting an outstanding balance there but I have no idea. Assuming I don't have the money to pay them off right now, what will they do to me? Money for me is very tight right now

[DWarrior]

How do you get a negative balance on Bodog?

[Pokeraddict]

[ QUOTE ]
How do you get a negative balance on Bodog?

[/ QUOTE ]

Chargebacks, bad eft's or bouncing a check etc.

[Henry17]

It really depends on the amount of money involved and where you live.

[brendanb438]

OP we do need more info. How much do they claim you owe them?

[Squattage]

I owe $400 and I live in San Diego

[RR]

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.

[ChicagoRy]

[ QUOTE ]
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.

[/ QUOTE ]

Can you go into a little more detail about this?

[RR]

[ QUOTE ]
[ QUOTE ]
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.

[/ QUOTE ]

Can you go into a little more detail about this?

[/ QUOTE ]

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.

[ChicagoRy]

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
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.

[/ QUOTE ]

Can you go into a little more detail about this?

[/ QUOTE ]

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.

[/ QUOTE ]

If you'd rather talk on PM that's fine, but what kind of time windows or other fairly obvious restrictions do these companies have? Is it federal like the 1k cap or is it state by state? I had an unpaid debt awhile back, kind of makes me wish I still did, but I have a few friends that still have some stuff in collection.