i am confused. when is it appropriate to use validation, and when is it appropriate to use c&d. why would you want a ca to validate IF you are sending them a c&d. what is the best way to get judgements and late pays removed? please help. i've asked several times and not too many responces.
Ok, I'll try the best I can. You would use a C+D if the CA is calling you all the time, and you want them to leave you alone. You have to make sure, though, that it's not w/in the SOL, because it really leaves no other option than to file. If they can't contact you, what else can they do? A validation is when you want them to prove that the debt is indeed yours. You are usually validating with the purpose of 1. making sure the info. is accurate 2. catching them in violations to be used as leverage later. For example, I am in the validation process w/ 4 of hubbys collections. They are his, and unpaid. The balances seem correct also. What I'm trying to do is catch them in violations to use as leverage to pay for deletion. I have 2 violations so far on 3 accounts--the 4th just went out this week. I'm not sure about validating AND sending a C+D, but that doesn't make a whole lot of sense to me. How can they get in touch w/ you, if you've sent them a C+D? With judgements, the best thing to do is first delete any old names and addresses from all of your reports. You can try to vacate your judgement, which is something I know nothing about. Mine were deleted from TU and EQ (showed up 4 ways between the 2 reports) because one had my old address, but not old last name, and vise versa. I'm having trouble getting it off experian, even though its reporting incorrectly, and my address isn't on my report. These are a crap shoot, and you may just have to keep disputing. Ok, hope that helped a little!
You can send a modified C & D that says they may contact you only by mail. So they will still have access to you thru the mail.
THANK Y'ALL FOR THE INPUT, SO REALLY A VALIDATION IS USUALLY BETTER? I LIVE IN MS. DO YOU HAPPEN TO KNOW WHAT THE SOL IS? YOU TWO HAVE ANSWERED MY QUESTIONS RELIGIOUSLY AND I DO APPRECIATE THAT TREMENDOUSLY.
They are 2 different things. One is not better than the other. It depends on what you are trying to accomplish as to what you are going to send. If the ca is calling you but you also want validation, you can send the validation and also include in there that this is their legal notice to cease and desist from any contact with you other than by mail. Check the faqs post at the top for where to find sol's. For judgments, a little trick I learned along the way is to find out how long judgments are valid in your state. In Az, they are valid for 5 years unless renewed. Mine were just past the 5 year mark so I disputed them as obsolete and they were deleted from all 3 cra's. Just another idea you may want to try.
Not the same. SOL is how long a creditor has to sue you for a debt. A judgment is when they have already sued and won, or a defendant defaulted. The length of time a judgment is valid is not necessarily how long the sol is. You need to go to one of the websites listed in the faq's thread at the top. I think the 3rd site listed for sol's also tells you how long judgments are good for in each state.
o.k. i found something that said sol on collecting a judgement 7 years. it also said that a judgement can continually be 'renewed'
Ms. they are not actually mine, it is my husband. his credit is so awful, i don't know where to begin
