Seding a rebuttal to a CA "offer"

Discussion in 'Credit Talk' started by greeneyez, Jun 30, 2016.

  1. greeneyez

    greeneyez Well-Known Member

    I thought I'd get everyone's opinion on this, and keep everyone up to date on the results!

    A CA letter came in for my husband, regarding a supposed $360.00 debt. In the letter they said we could pay them 220 and that would be acceptable.

    Two thoughts on how I am wanting to handle this:
    1) Send a letter stating I will bay the 220 for a pay-for-delete


    2) Send a letter demanding validation, then if they do, write them a pay-for-delete.

    I'm thinking of going with #1
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    I think it's always a wise move to send a debt validation letter first. Do you even know what this debt is for?
  3. jam237

    jam237 Well-Known Member

    I second Joshua, I prefer to always demand validation first.

    What if you actually only owe $140.00; but they're trying to add on extra fees that they are trying to sneak past by saying the amount is $360.00. (A lot of CAs got caught adding things like Treble "Damages" to returned check fees, because they intentionally misread the law as allowing them to bundle in every penny that every single law could give them, instead of what the law ACTUALLY said was that a COURT COULD AWARD THEM in certain circumstances.)

Share This Page