I appear to be slightly behind you in timeline... so any
info you could pass along would be helpful.

Nope, nothing yet. Engaged my insurance company, and they are working
on it. Purco stopped calling me.

Sent you an e-mail also, but very interested in the progress you have
made too. I've got a ton a web site links to miscellaneous docs, but
sounds like you found some stuff I haven't (although IO can't take
credit for much of it, I had some help a ton of help from a bunch of
great people out here).

Hmmm... it may appear that our ordeals are different,
despite being similar.

If I'm correct, you are trying to dispute/resolve whether
the damages occurred while you were in possession of the
rental vehicle.

In my case... whether the vehicle was damaged in my
possession or not is now irrelevant. The car rental
company, and PurCo have not complied with Wisconsin laws
regarding rental car damage claims. Some of which are the
prompt notification of the damage, allowing the renter 2
days to inspect the car before repairs are made, getting two
estimates from competing shops, enclosing those estimates
with any claim, etc. In my case, the car rental company
did not meet a single of those requirements, when they are
required by law to meet all of them.

Through some of the correspondence with PurCo, it has been
stated that my case is exempt from those Wisconsin laws,
which it is not. By falsely representing the legal status
of the debt as valid, when it is not, PurCo shot themselves
in the foot by violating the Fair Debt Collection Practices
Act.

From where, I don't know, but I thought your business was
done in Wisconsin as well. Unless the state you did
business in has similar laws on rental car damage claims, it
appears that we're fighting two different things.

My main problem is getting PurCo to see their wrong-doings &
to see that the debt was invalid before it was even turned
over to them. They seem somewhat shady... it's a no-brainer
that the car rental company did not comply with the state
laws, thereby forfeiting any claim the may wish to make.
Yet PurCo continues on with their efforts to collect...
almost as if they are o.k. with collecting invalid debts
(which could obviously land them in even bigger trouble than
what they've been in before).

The best thing about all their violations is that I have
actually got PurCo & the car rental co repsonding to my
claims at this point, instead of me having to respond to
their claims.

I'm in the process of filing complaints to the Wisconsin &
Utah Consumer Protection Depts., in addition to the one in
my home state. Also, due to PurCo's Fair Debt Collection
Practices Act violation, all is being forwarded to the
Federal Trade Commission as well.


Engaged my insurance company, and they are working
on it. Purco stopped calling me.

If you talk to your insurer again, it may sound obvious, but
try to get as much documented communication going with PurCo
as possible. As soon as they told me who they were & what
they wanted, I told them to say no more & fax/mail me what
they had to say (so I would have everything in writing).
Thus far, I rec'd somewhere around 10 faxes, and literally
every single fax has said something new to help my cause &
hurt theirs.
I actually got one fax from them that contained emails
between PurCo & the car rental company... when trying to
assess their compliance with the Wisc laws, they appear to
be having trouble finding those laws & literally give up
their search and say something along the lines of, "don't
know whether we are in compliance or not... so continue
collection efforts." Ignorance may be bliss, but it doesn't
exempt you from the law.