Hey guys ..been a while Just wanted to give an update as well as request some advice. I sent Validations CRRR to two separate CA's at the end of Feb. Since then, I have not heard a peep from them. They have not sent anything back to me and they have not even updated my TL's to reflect "In Dispute" (Violation) So now I am almost finished in typing up my 15 day estoppel letter, but I wanted to know how I should gently throw in the fact that they are in Violation for for not marking my TL's and that i may seek $1000 for each occurrence? Hopefully this will entice them to respond to my letters. Anyone have examples? Thanks!
I don't think estoppel is the place for that. The estoppel letter commonly in use mentions the fact that you demanded validation and they have not responded and then goes on to say that since they did not respond then under the doctrine of estoppel by silence you have the right to assume that the debt is not existant and that they no longer have any right to collect. As I have said many times, bah! Humbug! That is "common law" thinking and that's all it is. Be that as it may, it works one way or the other a goodly portion of the time so from that standpoint is worth using. The point I wish to make is that it is better not to be talking about the potential value of your case at this point. I would leave that part out completely and save it for a future letter which starts to deal with that issue. Keep it simpls.
