Hello all. I had a computer crash. Not a MAJOR biggie, as I have hard copies of m CMRR. However, I had saved my favorite 2nd stage Verification letter (after 30 days no reply) and now I can't find it in the sample letters. Would those of you who read this post be willing to send samples/links to verification letters directed specifically to CA's who have not replied that you have personally used that worked for you? I appreciate the help.
I typically don't do a "stage 2" letter. Here is my thinking. #1) There is no time limit in the FDCPA for how long they have to provide validation. #2) The longer it takes them to validate, is the longer that they can not LEGALLY perform collection activity. Do you want them to start collecting sooner, or to owe you $1,000.00 for resuming collection activities before they provided validation?
