Which letter is better to send to a CA, a debt validation or a Cease & Desist letter. In what instance would you choose which one to send to a CA?
I would say now just my opinion send DV letter first then later on send C&D letter, unless of course the CA is bugging you to collect and your tired of the F**King calls that they tend to do trying to collect.
Always a debt validation. A C & D is just that. It tells them to stop contacting you period. That leaves them three options: 1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or translation - they may file a lawsuit (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. translation - they will file a lawsuit I have used a C & D exactly once. That was when a collection agency, not bonded in my state came after me. I told them exactly this in the letter, and cc'd the OC, so they knew why. The only other time I can think to use C & D is when you are positive the debt is out of SOL. I think most of us do use a "modified" C & D. It basically says contact me only in writing, do not call me on the phone.
YEAH RITE: Send the C&D and have them bug you with a lawsuit instead. REAL SMART. I call the C&D the sue me letter.
