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Valued Contributor
Lady_Scarlet
Posts: 2,385
Registered: ‎09-10-2007
0

Re: Proper Debt Validation

On a personal note:
 
A CA sent an 'accounting' but nothing else.  No terms of assignment/sale, no proof of License (required here), etc
 
What next?  OC refuses to PFD will only mark it 'paid'.  This is medical BTW.
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Contributor
jennhalcyon
Posts: 93
Registered: ‎12-18-2007
0

Re: Proper Debt Validation

Lonnster~ you rock!  Thanks for all that info.
 
Lady Scarlet, sounds exactly like my situation.  Maybe you should try writing what Lonnster wrote...I am!
Valued Contributor
Lady_Scarlet
Posts: 2,385
Registered: ‎09-10-2007
0

Re: Proper Debt Validation

Where's that letter Lonster?
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Established Member
Lonnster
Posts: 10
Registered: ‎03-22-2007
0

Re: Proper Debt Validation

Lady_Scarlet Wrote:
 
Where's that letter Lonster?

 

I'll post the letter I created this afternoon...It also includes, in writing, a demand for the CA to stop contacting me by phone, period. Kills two birds with one stone...


Established Member
giterdone
Posts: 21
Registered: ‎01-06-2008
0

Re: Proper Debt Validation

hey lonnster,
           that last post on this thread     Lady_Scarlett wrote:
                                 wheres that letter Lonnster is this a link , if so does'nt seem to
work for me.sure could use that letter just the same. was getting ready to send out some dv's
but seems like your letter is a must to show you know what you talking about when you ask ca's
to validate their claims.
Established Member
Lonnster
Posts: 10
Registered: ‎03-22-2007
0

Re: Proper Debt Validation

[ Edited ]

Edited to remove outdated and incorrect information - MarineVietVet, myFICO moderator

Established Member
Lonnster
Posts: 10
Registered: ‎03-22-2007
0

Re: Proper Debt Validation

The letter is geared toward credit card debt, but, can be modified by removing the voucher and statement request. Then it would cover most types of debts...
Contributor
jennhalcyon
Posts: 93
Registered: ‎12-18-2007
0

Re: Proper Debt Validation

Wow that's some letter!  i am almost scared to send it, because if they do validate, they'd probably be so mad at me they would never consider a PFD!
 
Thanks Lonnster for sharing.
 
Established Contributor
orhippychic
Posts: 562
Registered: ‎08-16-2007
0

Re: Proper Debt Validation

that's it! that's my new DV letter! amazing...
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Established Member
giterdone
Posts: 21
Registered: ‎01-06-2008
0

Re: Proper Debt Validation

[ Edited ]
lonnster , should'nt they be given some sort of timeframe to respond and if they did'nt respond how could this be used to get account removed from your cr's.
        seems to me they could drag this out for ever all the while telling you their still gathering all the
required information for validation,but we all know that should'nt take long considering all debt collectors operate on the up and up and should have all this info at their immediate disposal.
                      so my question still holds timeframe or not?  


Message Edited by giterdone on 01-10-2008 05:12 PM

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