I received two letters today from the same attorney that is in my state. One is for a Kohls account - $1326 and the other is for $2071 for a GE Financial. It looks like they're starting their lawsuit work. One letter (Kohls) is refusing my settlement offer, and countering with a 'one-time payment of 946.45 which is 70% of the principal amount due, plus court costs, to settle this account in full.' The other is a notice that the claim has been refered to them for lawsuit. Then the 'you have 30 days to respond' and the 'unless you dispute this debt in 30 days, i'll assume it's valid...' I'm going to send a validation letter for both accounts: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=85495#post85495 In my reading, I thought I saw a modified VOD letter that exactly outlined what constituted full validation (ie: not just a crappy print out of some of the account activity). Is the one posted in the sample letters the best one to use? I'll be sending the second validation to another law office in my state, that has two accounts as well. These are larger - $5000 and $7000. They never responded to my original validation letter. Off goes the second one: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=85493#post85493 I'm assuming I need to send each of the four letters in separate envelopes, rather than combining them, right? Makes sense to me since then each letter is tied to a specific CRRR. Just wanted to run this past the experts before I do something wrong. Thanks for the immense help this board has been. You all are great!
There is no law, nor case law to define exactly what IS validation... The best letters are the ones you write yourselves.
