Do I need to send estoppel letters to all the c/a that I have received the green for???? Also, I got one bill verified, but I am researching it myself with my insurance company--Do I need to send that c/a who verified the bill an estoppel??--it is my bill, but it was to be covered by my insurance company.
You only send estoppel when they fail to respond or respond with insufficient evidence. You must give them 30 days to respond.
The nutcase letter is meant for fully paid chargeoffs. It's basically saying that you are a ligitious nutcase. You already paid this debt without validation, and now you want validation and want to sue - then you must be a nutcase. They will delete the collections just to get rid of the sue-happy nutcase. Send the estoppel after 30 days to the ca. You can find it under the sample letters. I think it's called the 60-day validation letter.
Ok maybe I am thinking about Ceast and Desist letter would I need to send one of those to the c/a for the ones I have received the green card for and the one that validated the item??????
No, you don't want to send a cease and desist. The only option then available to the CA is to drop the matter, or to sue. Are you sure you received complete validation? A letter saying you owe them money isn't validation. Gib
tea, If you sent a validation request to a CA and you have received the signed green card back, wait out the 30 days from the date the green card was signed. You do not want to send a C&D to a CA you just requested validation with. Once you send a C&D the CA can only contact you one more time to let you know what their intentions are as to what they're going to do with your account. Basically by following a validation letter up with a C&D you're negating or simply canceling out the process the validation is used for. Be sure to wait out the 30 days. And remember, if these collection accounts are showing up on your credit reports, the CA is required to place the account "in dispute by consumer" if they do not, that's a violation. If you do not hear from the CA after 31 days, send the estoppel. Be sure to include with the estoppel copies of proof that they received your valdiation request. Now if a CA validated an account, and I mean really validated, not some flim flam computer print-out, then it may be time for working out some sort of settlement, but only if they absolutely validated this account (which BTW most CA's won't be able to do). And if a CA has truly validated an account, do not send a C&D, in doing so, you leave them almost no choice but to sue. Especially if it's a large amount of money.
