Exactly Who do I send the PFD Letter To?

[Keith_Strohm]

   I had 2 medical collections reporting on my credit report. I called the original account holders for both of them. One, University of Washington Hospital, pulled back the account from the agency. This one should drop off my CR's soon.

   St. Francis Medical Center, however, refused to pull the account back. I couldn't believe that they would rather receive none of their money (it's already reported on all 3 CRA's so I have no incentive to hurry up and pay them) than all of their money.

   It was surreal.

   Anyway, I intend to PFD NCO Financial. I am wondering exactly who I should send the PFD letter to at NCO. Also, should I use the Original Account Holder's number? I can't seem to find NCO's full account number without calling them (I think).

   Any help would be greatly appreciated.

   Keith

[Keith_Strohm]

*bump*

[scramblingin2007]

welcome keith! Wait for one of the fico guru's to help you with NCO. Please don't call NCO! Looks like your going to have to dv nco and offer a pfd...but do not call them!

[Keith_Strohm]

   Unfortunately, I already did. The OC referred me to them first. Is it hopeless now?

  Keith

[Keith_Strohm]

*bump*

[Anonymous]

If this is past SOL (check for your state) then  DV NCO using the address onyour report and the 'partial' account number.  If not past SOL and you can pay to head off a lawsuit then DV. If close to SOL expirong - wait it out then DV

Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name TYPED (DO NOT SIGN)