I have a 2yr old Pac Bell PCS collection for about $250.00. Just wondering if anyone had any luck with Professional Collection in negotiating to pay for the collection in exchange for deletion? FYi - This debt was only on my TU report which I disputed and was verifed. Then Professional Collection added it to my EQ and EX the next month. darn.....
FYi - This debt was only on my TU report 1*which I disputed and 2* was verifed. 3*Then Professional Collection added it to my EQ and EX the next month. darn..... =====----- func15 -----===== 1*Who did you dispute it with? 2*Who verified it? 3*Did you send Professional Collection the validation letter ?????????
1*Who did you dispute it with? Online disputing with Experian. 2*Who verified it? On my results, it said it was verified 3*Did you send Professional Collection the validation letter? No, so I guess this would be my second move. Thank for the info
Re: Re: Any luck with Professional Collection? No, so I guess this would be my second move. ====================== It should have been your first.
Re: Re: Re: Any luck with Professional Collection? Thanks lbrown59 for the advice. Which validation letter in the sample letters database should I send first? Do you recommed I send "Debt validation" or "Debt validation 02"? Thanks in advance
Re: Re: Re: Any luck with Professional Collection? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Here is the Validation Letter you want to send. Don't make any changes on it and don't hand sign it. Your Name Address City State Zip Company Address City State Zip Date RE: Account #_________/Original Creditorâ??s Name Dear Sir/Madame: Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely, Your Name don't sign - - - Include the following on a separate sheet of paper - - - CREDITOR DISCLOSURE STATEMENT Name and Address of Collector (assignee): _________________________ Name and Address of Debtor: ____________________________________ Account Number(s): ____________________________________________ What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO Has the purported balanced of this account been used in any tax deduction claim? YES/NO Please list the particular products or services sold by the collector to the debtor and the dollar amount of each: Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. ________________________________ Authorized signature for Collector Date_______/_______/_______ Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts. ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ """""""""```~~~```'"""""""""
I had occasion to speak with them about a year ago re a PacBell Wireless account. The face amount was $244 ... they offered to delete for $350. Click. They have no documentation, so send validation letter.
Re: Re: Any luck with Professional Collection? Thanks all. I sent the validation today. I'll post results later. What was you outcome for this account kickman?
Re: Re: Re: Any luck with Professional Collection? For me, I didn't get what I wanted. BUT, that's because I wasn't on the up and up. I wanted deletion because they couldn't actually validate. But the debt was mine and I did owe something.
Re: Re: Re: Any luck with Professional Collection? Hi all, its been over 30 days after I sent my validation letter re: a collection and I have yet hear any response from Professional Collections. I did receive my green back card. Please advise as to my next steps. Thanks in advance and Happy Holidays...
Re: Re: Re: Re: Any luck with Professional Collection? Did you read the threads for newcomers? As soon as you get that green card back, you need to send a dispute letter to each CRA the TL appears on. The idea is to let the CA walk into a violation or 2 (or more) and use those violations as leverage to get a reduced amount of debt owed (settlement offer) and TL deletion or a $0 balance and TL deletion. Depends on the actual amount of debt you owe.
Re: Re: Re: Re: Any luck with Professional Collection? Which state are you in? The CA? Have you checked them out statewise?
quote: -------------------------------------------------------------------------------- Originally posted by func15 Hi all, its been over 30 days after I sent my validation letter re: a collection and I have yet hear any response from Professional Collections. I did receive my green back card. Please advise as to my next steps. Thanks in advance and Happy Holidays... -------------------------------------------------------------------------------- ******Did you read the threads for newcomers?******* As soon as you get that green card back, you need to send a dispute letter to each CRA the TL appears on. The idea is to let the CA walk into a violation or 2 (or more) and use those violations as leverage to get a reduced amount of debt owed (settlement offer) and TL deletion or a $0 balance and TL deletion. Depends on the actual amount of debt you owe. T. =================== ************HERE THEY ARE************************** *****NEW MEMBER MUST READS***** 12-25-3 What is Validation http://consumers.creditnet.com/stra....php?s=&threadid=42188&highlight= validation *** Victims of Credit Reporting *** http://members.aol.com/victcrdrpt/Score.html Rule of 72 http://consumers.creditnet.com/stra...=&threadid=39313&highlight=rule+AND+of+AND+72 Must SEE--------------------------- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826 """""""""""""""""""""""""""""""""" FixYourOwnCredit! http://consumers.creditnet.com/stra...848&highlight=fix+AND+your+AND+own+AND+credit """"""""""""""""""""""""""""""""""""""""""" '''''''''' `````````` '''''''''' Sample letters http://consumers.creditnet.com/straighttalk/board/index.php?s= WhyChats statute of limitations http://community-2.webtv.net/Y-chat...ity-2.webtv.net/Y-chat/WhyChatsCredit/statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp""""```--~~~~~~~~~--```'""''' THE END ** *** ** LB 59""""```--~~~~~~~~~--```'""''' http://www.justsaywow.com/newfun4/mooyear.cfm ..
