Well, now I have more people calling. This new one I am going to write one of the validation letters to this company. When I was looking through the sample letters I did not see one that seemed to fit what I wanted to do. I know this account is mine but am not sure at the balance. It seems to be higher than what it was. Also they said by not contacting withing thirty days, I validate the charges. Do I need to state "this in in no means a refusal to pay" and do I need to say the part about denying the account. I just don't have the means to deal with this amount of money within the time frame thay have given me.... Within 40 days amount could be paid that is considerably smaller. .... I just don't have the financial means. Also would it be acceptable to ask company in same letter to no longer call my home and just contact me by mail? Or should I write a separate letter?
Just ask for validation and tell them not to call you insofar as it is inconvienent anywhere, anytime. Doesn't need to be fancy.
That's true. When you take a letter off the internet, they know where it came from. Make it be your own. As Apex said, just ask them to prove that the debt is yours, show how they arrived at the amount, and that they have a legal right to collect. Then tell them that it is inconvienent to take call at any time at any number and you request that all future correspondence be in writing. That's it. Mail certified mail, return receipt requested.
That's true. When you take a letter off the internet, they know where it came from. Make it be your own. As Apex said, just ask them to prove that the debt is yours, show how they arrived at the amount, and that they have a legal right to collect. Then tell them that it is inconvienent to take call at any time at any number and you request that all future correspondence be in writing. That's it. Mail certified mail, return receipt requested. __________________ The Answer is 42!! But keep in mind there is a good chance that you may never get a reply or the reply you do get won't be what your asking for.Ca's are the enemy don't expect too much co-operation from them.
You can ask for whatever you want (mainly because chances are they'll ignore it either way), but technically, to comply with the minimum bar of the validation requirement of the FDCPA, all they really need to provide is the name and the address of the original creditor in order to validate the collection. The intent is to allow you to contact the original creditor and confirm the debt. If they are collecting on purchased debt, then they might need to send more information, I'm not sure. The FDCPA says: is what needs to be sent to the consumer by the debt collector (and not the OC) to constitute validation. All that other stuff like signed contracts, accounting of the amount claimed, legal right to collect, really only comes into play if they are suing you.
