Diversified Consultants, Inc. Debt Collection Complaint

Diversified Consultants, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Mississippi

On - -, -, I received a letter from Diversified Consultants, Inc. informing me of a $710.00 balance due with - -. I sent a letter on - -, - requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated - -, - with a statement dated -/-/- showing a balance of $710.00. However, I also have a billing statement from -/-/- showing a $0.00 balance from - -, one month after the statement from -/-/-. This was not sent to me by either - - or Diversified Consultants , Inc . I gained access to my online account through - website, where I downloaded the bill. - - canceled the bill principal of $710.00 on -/-/-. If anything, the original creditor should issue me a copy of IRS Form -. The IRS requires this form for each debtor a company has canceled a debt of $600.00 or more. My canceled balance of $710.00 meets this requirement.


In -, - similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a - Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. - - - -, - NY - - ( Dist Ct - - ), -, - - - ( - - ), - -, - ( Bankr Ct - - - ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also -, - - -, - - - ( App - ) ( issuance of Form - after debt was written off is " - '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; -. I have included a copy of the final statement that shows the $0.00 balance from - -, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for - -, and the letter from Diversified Consultants accompanying it.