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I just received a dunning letter via email....I never received anything from this creditor via mail. This cannot be considered a TRUE dunning letter, correct?
@johnsj21 wrote:I just received a dunning letter via email....I never received anything from this creditor via mail. This cannot be considered a TRUE dunning letter, correct?
I would not think so since the CA can't prove you received the "letter". In addition since an email "could be" read by anyone, you might have a violation of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 which requires all "specific debt" information to be between you and the CA only. Of course you'd have to acknowledge receipt of the email to accuse of a FDCPA violation.
Suggest you get a copy of Mailwasher (free addition) http://www.mailwasher.net/download-mailwasher-free which allows you to not only screen your email, but "bounce back" those emails you don't want or consider spam.
@johnsj21 wrote:I just received a dunning letter via email....I never received anything from this creditor via mail. This cannot be considered a TRUE dunning letter, correct?
I believe that the FDCPA requires written notice; an email would not suffice.