Thanks everyone for your help....... Game Plan: - Stop Payment - Send Validation Letter w/ disclosure form - Wait for reply to letter - Memoralize phone conversations? Questions: - Should I also send a cease and disist? - I have a current copy of my Credit Report and for this account it states: status: closed/ past due 90 days...Creditor's statement "account closed at credit grantor's request" The account was closed at the end of march....is this still considered a "charge off"? - Is it necessary to send the validation letter to both original creditor and CA or just the CA (eeww look message form lingo? - What do you guys suggest I say whenever I do talk to her (ca) via phone?
