PFD saga, just started

[mauve]

I have just begun sending PFDs -  well, and one DV and a GW.  Here is the breakdown:

NCO Financial - says I have a 120 days late, I've never heard of them, so I sent a DV. 

Accurate Account Solutions -  $98 for Wright & Filippis (DOFD 12/2005) 

L J Ross Associates - $77 + $183 + $52 - University of Michigan Physicians (DOFD:10/04, 12/04, 12/05)

UCB Collections -  $84 - University of Michigan Medical School (DOFD: 7/08)

Ann Arbor Credit Bureau - $98 balance on $920 + $830 - (for a Towing company, with judgement) (DOFD 4/06 & 9/03)

Merchant's & Med Credit - $188 for TCF, paid

I did not follow HIPAA process, because I didn't find out about that before sending out my PFDs and now it looks like there is some controversy about whether or not it risks getting you deeper into trouble.

I sent PFDs for the full amounts from my CRs, all CMRR

So far: 

AACB refused the CMRR, but I think that may be because I addressed it to a specific person.

L J Ross sent me an accounting - 4 items (not the 3 I saw on the CR), totalling $327.49

Merchant's & Med Credit sent me 2 identical letters saying "This is to confirm the above listed account was paid in full or settled on 8/29/07"

What is my next step?  I am wondering if it would be better to deal with the attorney instead of AACB.  I am thinking about sending L J Ross a new PFD with the updated amount....any suggestions? L J Ross's letter was dated the same day as they signed for the CMRR, so it didn't take long for them to respond, but that response was confusing.  Do I continue to send everything CMRR? 

Thanks. 

[mauve]

Does anyone have some advice, please?  I'm trying to decide if I should just send another PFD to LJ Ross with the updated balance....and also what to do about the judgement - is contacting their lawyers the best plan of action?

[llecs]

Congrats on taking action. Best of luck.

Always send everything to a CA CMRRR.

I'm not a fan of HIPAA. You can get the same results by doing the DV-PFD combo, IMO.

Keep sending the letters. If Merchants is paid, then send a GW and mail w/ a stamp vs. CMRRR. AACB - send a PFD to whoever was the plaintiff. Maybe others can chime in, but I think there's a way to get it vacated if you offer a PFD and coordinate with their attorney.

[mauve]

So I should send a PFD to the towing company and a letter to their attorney?  Are there any good sources for sample letters to attorneys for motions to vacate or whatever?  I've found this forum to be really helpful in a lot of things, but it seems to be more difficult for motions to vacate, especially since the laws are different for every state!

[llecs]

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mauve wrote:

So I should send a PFD to the towing company and a letter to their attorney?  Are there any good sources for sample letters to attorneys for motions to vacate or whatever?  I've found this forum to be really helpful in a lot of things, but it seems to be more difficult for motions to vacate, especially since the laws are different for every state!

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Bump for others....

Out of my league. I'd talk to the towing company first. I suspect they'd say "huh?" and which point I'd write the attorney. Sample letters? I don't recall seeing any but maybe there's one or two hidden in here.

[Cotton_Britches]

What does bump mean?

[llecs]

Just mean I was posting on the thread to bump it to the top of this board so that others may see, vs. being lost in the shuffle.

[mauve]

Ugh, I was sick yesterday and haven't gotten it out yet, but I'm sending a new, updated PFD to LJ Ross today and 2 GWs - one to ECSI for a 30 day late on a student loan and one to the bank that previously was in charge of my LB card when I had a 30 day late.  Are they the appropriate people to send this to?  LB now has a different bank for their credit card.

I'm also getting anxious that I haven't heard back from anyone else from my initial round of PFDs, although it's only been a little less than 2 weeks.  I know, I keep reading "Patience!", but should I send them another letter at the end of the week / after 4 weeks / what, if I haven't heard back? 

Message Edited by mauve on 02-24-2010 06:47 AM