The situation that this DV letter to the CA is for is two old secured CC's, both past SOL (FL), DOFD is 05/07 for both, I also DO NOT believe the balance amounts are correct, one of them is reporting the balance as what I remember to be the full credit line but the card was not maxed-out. Here is the DV letter:
Take out "Be advised that this is not a refusal to pay". Say: This is a notice pursuant to.... Take out naming the bureaus and just saying the credit reporting agencies. Most of that is unneeded and I would change thru to through. I usually like to throw in a reference to the FDCPA and let them hang themselves on the rest.
Jam237, Ok I did as you said and took out the second page with the form, and also everything else you said to remove. But I did put the requested specifics in a numbered list, if only to press them to dig up the details and hopefully with that they will just not go through the effort. But, putting the numbered list in really pushed the limits for fitting this all on one page, but I managed and put the list into two columns to save room on the page. mindcrime, hey there again! Thanks for all your help! I made the changes you advised. I'm not sure which part of the FDCPA to reference so if you have anything you would recommend specifically let me know please. Should I put something in here to 'remind' them I am aware it is past the SOL? Would this make it even more likely they would not go through the effort to provide these details, because they know that I know they can't force me to do anything. Anyway, here's the new version: After this I am going to send a dispute to the CRA's as soon as I get back the green card from the CMRRR. I may come back and post up whatever letter I come up with and ask your opinion on that also. Unless, you have a good sample letter for this situation for a dispute to the CRA. Furthermore, I also got a settlement offer in the mail yesterday (coincidentally) on the smaller credit card. Everything in this thread is more geared toward the bigger one ($725), but the CA for the smaller one ($161) sent something about paying two payments of $80 (which I obviously won't do), but should I respond to it?
You already got it. FDCPA section 809. I wouldn't, I'd rather let them rack up lots of violations instead. There are probably some in the sample LTR section. But I would just keep it simple. "I am disputing account x. Please investigate." You could fax, mail or dispute it online. Anyway you do it, just keep proof of when you submitted. Have you sent a DVL to them? Are they reporting? How old is the debt/whats the SOL where you live?
A copy of the agreement with your client that grants [collection agency] the authority to collect this alleged debt. This has no relevance to validation, unless you find yourself in the rare situation of having more than 1 CA trying to collect at the same time.
No, this is my first time ever sending any DVL's... They are reporting. It is the same age as the other one... approx 04/2007. I am in FL (SOL 5 yrs).
Okay so it's past the SOL. Send a DVL and then dispute with the CRAs once they're got it (you're sending it CRRR).
