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When you utilize the Burlington Financial Group’s document preparation services to make third party debt collectors verify a debt, you can expect harassing calls to yourself and friends or family members to stop. This is because we utilize and we instruct you to use a notary to send out your paperwork. Once the debt is disputed, the debt collector should not contact you or others again until the alleged debt is verified and validated. If you fail to tell collectors to cease calls, a collector may call you at home or work, in addition to contacting friends and family to get your current contact information.

BFG’s Package is more effective than others who use only the Fair Debt Collection Practices Act (FDCPA) to make a collector prove the debt is valid. BFG’s paperwork utilizes multiple laws to make the debt collector prove they are authorized to collect and that the debt originated in lawful compliance with all federal laws plus state laws and regulations including, but not limited to, the Truth in Lending Act (TILA), Credit Card Act of 2009, Fair Credit Reporting Act (FCRA), and the FDCPA.

Our process has power because the debt collector can be charged with monetary damages if they violate collection laws. The laws we use provide penalties and fines for non-compliance or failure to do such things as communicate (including to credit reporting bureaus) that a debt is disputed. Under 16. 15 U.S.C. § 1692e(8) it states: “Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a violation of § 1692e.”

The above means it is also illegal for the debt collector to report that the debt is not paid when it is in fact under dispute, the two are very different things. Only after they prove the debt through verification (defined below) can they report that the debt is unpaid.

Our paperwork specifically defines “verification” from Black’s Law Dictionary, Sixth Edition, as follows: “Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.”

**Burlington Financial is currently not accepting clients in Kansas, Oregon and Washington D.C.