[Qtip]

I received a collection letter, this is fist communication. The verbiage reads as follows;

Please note that this account is subject to be reported to the credit bureaus after 30 days if payment ins not received.

I guess since they did the thirty day thing sneaky they are not breaking the law, but the least sophisticated consumer would construe that it needs to pay this debt before the thirty days are up.


The interesting part they write on the back the same thing in Spanish.


Se le esta notificando que esta deuda puede ser reportada al buro de credito, si este pago no es recivido el el plazo de 30 dias.

Translated it means tat they are notifiying me that this debt can be reported to the credit bureau if payment is not received within th 30 day term.