What is the difference between a dispute or validation letter? I have questionable items with a collection agency and was wondering do I dispute or send a validate letter?
With a dispute letter you are disputing that is your debt. With a validation letter you are asking them to provide you proof that the debt belongs to you.
Validation letter to the CA, dispute with the credit bureau. After 30 days if you don't get a response from collection agency or don't get "adequate" validation, send the estoppel letter.
Thank your for your quick reply. What proof would they have to supply me for a medical bill? Also...do you have a copy of validations letters you can direct me to? Thanks again.
Go to the sample letters section and there are letters there, if you can't find it let me know. I have disputed medical collections and they only sent me a copy of the insurance claim form they filed electronically (which is called a UB-82). For signature it said "signature on file". It only had my name, DOB and insurance group number etc. I sent them an estoppel letter, still nothing so I faxed them a 72 hr notice to remove it or be sued!! Their time is up on Monday at 8AM my time.
So in other words...they have to provide your signature not just a bill. On one of them the CA tole me all they have is a bill of what I used...like tissues, medicines, etc. This is obviously not proof. Also..could you please email a copy of a validation letter you used for medical collections. I took a look at the samples and didn't see anything that would fit. Sam101499@yahoo.com I would really appreciate it. Do you talk to your CA on the phone or by mail only? I hope they remove it for you...would a mess if you had to sue them.
MAIL ONLY!! The letters you have to customize to fit your needs. Just paste it into Word or whatever you use and make changes. That's basically what I do, then add account numbers etc. You can add in the Cease & Desist Communication with them as well.
See, that's where I've made my mistake. I contacted them via telephone. I was in tears by the end of our conversation when they hung up on me. I have never been through anything like it. Thank you again for your help.
