Hey guys, just got through reading all kinds of estoppel letters and success stories. I have 3 collections showing up on my eq and one of these is on tu. All three are paid. Thinking of sending estoppel to the CA's for deletion. They are hardnosed and now claim they dont delete. SOL runs out on 2 of the 3 this year, but if I can get them taken care of sooner, all the better. Or at least I can occupy my time with writing letters while I wait for SOL, lol. Anyhow, some of the posts I mentioned involved faxing something first, then sending estoppel crrr. I will have it notarized (Im a notary, but cant do my own, unfortunately, hee hee) if that looks a little more formal and serious. What exactly should I fax to them? A carbon of the estoppel Im sending crrr? Or an intent to sue? Not sure how to tackle at this point. I have been fortunate in bein able to have a majority of my derogs removed by just disputing with cra. BUT FIRST, I am going to call the TX sec of state to find out if these ca's are bonded in TX!! Since reporting to a cra is an attempt to collect (am I worng in thinking this? I thought it was in fcra rules), not to mention they HAVE collected from me, then if they are not bonded...BOOM they should go away! Any pointers? I have a handulf of derogs left. The fewer there are, the tougher there are.
BUT FIRST, I am going to call the TX sec of state to find out if these ca's are bonded in TX!! Since reporting to a cra is an attempt to collect (am I worng in thinking this? I thought it was in fcra rules), not to mention they HAVE collected from me, then if they are not bonded...BOOM they should go away! _________________________________________________ That is also what I thought BUT I havent heard a definitive answer to this. Very curious to see the replies. I dont know what you can do about your paid collections accts but search for "nutcaste letter" i belive that that letter is for your exact situation. http://consumers.creditnet.com/stra...postid=213969&highlight=nquisitive#post213969
yes, Ive done some reading and nutcase/estoppel seems perfect. As far as the reporting thing, I cant find any definitive answers, BUT, since the CA's collected from me, it would fall under this bonding requirement.
Bills knockout letter looks good too check this out http://pub50.ezboard.com/fcreditwrenchfrm2.showMessage?topicID=22.topic
lol, yeah, that's the one I liked. working on them as we speak. Hopefully, they will work. hey may just give me the proverbial finger. Thanks a bunch.
Calling to see if they are bonded in TX or anywhere else isn't going to do you any good at all and even less if you already paid them. You can file all the complaints you want. Having paid them would give you better standing to file a complaint but it isn't going to change anything or get you any money back. Even if they are unlicensed and hounding you now filing a complaint on them is likely to only anger them and make them come after you with a purple passion if they find out who filed the complaint and they can if they want to bad enough. The only way even knowing about the fact of non-compliance might help you is if you get sued and you wait and tell it to the judge. Then the judge will most likely whang them and their attorney giving you a good laugh. But it won't get their case out of court for long. On the surface of it it seems like the slickest thing since sliced bread as do so many things you hear about on various boards and messages. So you grab it up and run with it, a great big grin on your face only to find out the hard way that it wasn't what it was cracked up to be after all. I don't know how many times I've fallen for the snares put out on various forums and learn later that they were actually a hot potato I wish I'd never heard of. Any time you see some hot new theory you had better study it real good and think about it long and hard and then wait a little while and about 9 chances out of 10 somebody will point out what is wrong with it. Or somebody will post some little tid bit on another matter altogether and all of a sudden the lights come on and you finally see the truth of the matter, how it really is and what you need to do to modify the idea or revamp it completely or even adapt it to some situation that is entirely different. And the idea of checking to see if they are licensed or not is no different. There is a time and a place for just about everything.
Thanks Bill... Bill, the items in question are paid...dont want the money back, just want deletion. Liek I said, 2 drop this year and I dont mind writing letters. There is nothing they can come after me for. I love your Devils Advocate role, lol. Youre great. Anyhow, think I will just stick with estoppel you wrote, if I may. Liek isaid, theyre paid collections...low $ amounts and will drop soon. Just need to occupy my time, lol. As far as new ideas and such, I work for a lawyer, so sometimes I have nothing better to do than to research silly little things and ponder, ya know??? Thanks again!
The paid chargeoff estoppel on my board is the correct one to use and if that don't work I'd recommend you try Psychdoc's nutcase letters next. I don't really think one is any better than the other. Doc tends to psyche them out and I try to bludgeon them to death. Mine is a rat killer method but some rats seem to have 9 lives too. So if one don't get the beast then use the other.
I have read yours and love it...will search for docs. Keep finding variations that dont apply though. Thanks Bill!!
There is a version or the original nutcase letter in the resources forum on my message board. And while we are on the subject some folks might just want to check out the IRS section. I just posted a section of law dealing with IRS garnishments and the law regarding that. And even if you don't have an IRS garnishment against you but you do have a civil judgment aginst you you would be well advised to read it anyway. There is a lot of good info about the limits and stuff dealing with IRS garnishment and what you want to think about while reading it is that its awfully close to civil garnishments so using that as a background you will pretty well know what civil judgments can or cannot do to you. If the IRS can't do it to you then the courts can't do it to you either and usually the IRS can do more to you than the courts can. So thats good background information to have for sure if you need it.
