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Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

So send Debt Validation letter to the collection agency. 

 

And then what can he do from there?

Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

Thanks for the prompt repsonses

 

Okay so I will send "I would definately send them a debt validation request under the TX code."

 

Now what would  this letter look like as far as the body in the letter? 

Community Leader
Epic Contributor
Posts: 27,045
Registered: ‎03-19-2007
0

Re: Rental Issue re-aging or something

Bare-bones sample:

 

This is a dispute of accuracy of your asserted collection of the referenced debt under the provisions of Title 5, section 392.202 of the Texas Finance Code.

 

Specifically, it a request that you provide, within 30-days of this request, written statement of denial or admission of the accuracy of the debt, or if you cannot provide such statement at this time, notice that it cannot be provided, and immediate deletion of your reporting with each credit reporting agency, as required under the Code.

Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

OKay does he need to add anything else in here 

 

                                                                                                                                                                February 21,2013

Pennyrile Collections

302 W. 15th Street

Hopkinsville, KY 42240

Account#1**********

 

To whom it may concern:

I, my name, am writing due to this is a dispute of accuracy of your asserted collection of the referenced debt under the provisions of Title 5, section 392.202 of the Texas Finance Code.

 

Specifically, it a request that you provide, within 30-days of this request, written statement of denial or admission of the accuracy of the debt, or if you cannot provide such statement at this time, notice that it cannot be provided, and immediate deletion of your reporting with each credit reporting agency, as required under the Code.

 

Thanks,

 

my name 

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Rental Issue re-aging or something

[ Edited ]
Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: Rental Issue re-aging or something

Yeah so the OC (landlord) had to have SOMETHING to go on to know there even IS a debt (ie lease). So......

 

1. He has a lease so he CAN validate the debt, OBVIOUSLY going to have a date on it. Based on the end date of lease (earliest possible delinquency), sure it could be estimated for THEN, worse case the next year...ahh heck lets just give em THREE years just to be nice guys...would STILL be well past CRTP (aged off).

 

-or-

 

2. He has no lease (or equivalent), ie no verifiable debt.

 

Either way, you win.

 

Remember, the burden of proof is on the REPORTER, not the consumer. Dispute (direct to reporter) > dispute (CRA) > MOV (it ends there at latest, nothing to prove it if no paperwork).

 

Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

Should there if so please let me know someone before I put this in the mail tommorrow morning. 

Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

Okay so what should he say??

 

The dates are inaccurate? Something more something less? 

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Rental Issue re-aging or something

If you are sending it to the CA it is ok.  I misread and thought it was a dispute with the OC.  Sorry.

Established Contributor
Posts: 686
Registered: ‎02-22-2009
0

Re: Rental Issue re-aging or something

Oh no problem. It is now with the collection agency. So the letter is good..No reccommendations on adding anything? 

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