HI, I was wondering if you all have found one specific dispute letter for CA more effective than others? I am referring to the intial dipute letter sent to a CA. Also, would you change verbage (except for specifics which I know need to be changed based) based on the type of debt? If anyone can reccomend a letter that they have found especially effective, I will name my next child after you. Charged off cc near SOL (within a few months) Medical collections @ CA or does basically any dispute letter work as well as the next as long as one keeps adequate records and receipts? Thanks all! K
