On Dec 6th I sent CRRR to a CA for hubby, no green card back from the company yet. On Dec 13th sent out a CRRR for the SAME CA regarding an account for ME, no green card back yet, all I have is the green RECEIPT slip from when I paid and sent it! On the 13th I sent a CRRR to EXP and I got the slip back on the 22nd and they are in TX. The CA is in Calif, I live in NH. It is collectech and they are NOT reporting it yet. Whats my next step? I don't know if they received, although the phone calls have stopped. KHM
Many of the collection agencies will not accept CRRR. I got a letter last month that was CRRR and the carrier let me look at the envelope before deciding whether or not to accept it, so I guess that is how the PO works. The PO told me that they will hold the letter 21 days for the person or company to pick up before returning it to you. Figure 4-5 days for the mail each way, and you should have something within a month of mailing. But, it may be the letter being returned to you. If you get nothing back, you can contact the post office where the recipient is located (not your home PO). They will look it up for you and get you a copy if necessary.
Ok let me see if I get this.... They can choose not to accept it, but by law I am allowed to request validation. They dont accept it, I dont get validation, all I will get back is my letter. Right now its NOT reporting, but what if they do eventually report it? What if I get no response but my letter back (not accepted by them)? I obviously can't send an estoppel. They have technically not received validation request from me, then they CAN report it! KHM
It's a great system. If you send it regular mail, they will deny they ever got it. Try this. The PO has another way of tracking delivery (I forget what it is called). If you go to your PO, they will have bright lime geren forms. If you use this, there is a code that allows you to track delivery by the internet. You fill out the form. It has a long code on it. Take it to the teller. The teller imputs it into the computer, gives you part of the form with the code, and attaches the other part to the letter. When it is delivered, the delivering carrier imputs it into the computer when it was delivered. You can then go online and get a printout. Because the recipient does not have to sign, they cannot refuse. If it gets to court, you can use the PO printout as proof that it was delivered. Its called the business records exception to the hearsay rule so should be admissable. And, you will have as a backup your returned CRRR letter. Its not perfect but it is pretty perfect. They do require you to send it priority mail so that part will cost you $3.50. I think the tracking is only 40 cents extra. The other alternative is to add to the address the words "payment enclosed" and hope they see that and accept your CRRR. Or, if fibbing bothers you, send it CRRR to their payment address and start the address with "PAYMENT CENTER". Many collection agencies have separate addresses for disputes and validations and do not accept certified mail at these addresses. When you call to get the address, tell them you want the payments address so you can send a payment. I found this out the hard way.
Many collection agencies will disregard most CM-RRR. However, in large, block letters above address and lower left hand corner write "Payment in Full enclosed". Those suckers will sign for it lickety split.
If you get the letter back. Keep it unopened with all the notes. If it was sent to a valid address and refused, then I would bring that to court to prove that you made every reasonable attempt to contact them. If they refuse to accept mail at their place of business than I would imagine the judge will have no sympathy for their case. By law, you have the right to request this information. You have the right to deal with them through correspondence. It might be worth one phone call to ask why the letter was refused and what their valid mailing address is or you might be able to get that from a state agency. I wouldn't think that simply refusing all CRRR mail will release them from their obligations to the law. Just my 2 cents, Myschae
