Hello, this is my first post here. I have been reading for 8 hours straight now and would like to thank everyone for all the information and thier time they have devoted. I live in Indiana and I am being bombarded by the CA's for over a year now. My phone rings all the time and I don't answer it. I get letters in the mail and I just throw them in the trash. This week I got 3 different "attempt to collect a debt" letters and figured I better start dealing with them. I guess my 1st step was typing in how to deal with CA's on a internet search and I ended up here. So, now my 2nd step is to send a letter to each CA telling them to verify the debt. As far as the phone ringing, should I answer and tell them to not call no more and to contact me through the mail? Should I get any information from them? Should I record the conversation? I am kinda lost at this phase. Alot of the calls are automated calls that state for me to call them back. After I send out the validation letters what should I do next? What should I expect? Thankyou.
Be careful who you request validation from. If it's a large debt and within the statute of limitations, this isn't always the best move. As with everything, one size does not always fit all.
There is a "cease contact" letter that you can send to them which will only allow them to contact you through mail.
No need for a specific letter. If you're sending a validation request, you include a statement that it is inconvenient for you to accept calls at any time at any number, and you would like all contact via mail. However, as Apex pointed out, you need to be careful before you start sending any letters. Who is the creditor, how much is the debt, when did it go delinquent, and what is the statute of limitations in your state. Get all of this information together and post before you send ANYTHING. And using form letters is never a good idea.
No one said it was a form letter. Those methodologies (or lack thereof) are disapproved of here. Learn to read.
