send a DV letter CMRRR do not take any B/S from them........keep both letters & hard copies of CR.
They are already in violation. They must give you 30 days to respond to the first letter before reporting.
DO NOT SIGN the DV do not talk to them if the call and NEVER give any info to any CA!!!
Very important....when the CRAs tell you it was verified do not wait MOV the CRA
Some people do not know how important the MOV is....you must have done it before you can file a lawsuit if you wanted to.
MOV goes CMRRR!!!!!!
Along with DV send this letter also....it is letting them know that it is past SOL and if they have any sense they will also know that they are past CRTP even if it was yours make changes needed
Your Name
Your Address
Collector's Name
Collector's Address
RE: [insert account number or name of account or name of debt]:
Dear [insert collector's name or company name],
This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2005], concerning the collection of the above referenced [account or date].
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.
Printed Name
Message Edited by HappyDays on
02-14-2008 05:51 PMMessage Edited by HappyDays on
02-14-2008 05:51 PM