Sending a dunning letter to a debtor

[nothingman02]

Is it considered pursuing collection activity?

[llecs]

Yes. The bottom of the letter will say that this is an "attempt to collect a debt".

[nothingman02]

I remember you used that in one of your legal letters against a CA.

But if you DV the CA before they get a chanse to send a dunning letter which they have to per the law, then what choice do they have?

[nothingman02]

In such as situation, would they have to include their validation with the dunning notice?

Message Edited by nothingman02 on 05-13-2009 04:14 PM

[Anonymous]

They don't have to send you a dunning letter.

They have to send you a letter stating certain information.

[nothingman02]

Gotcha. Thanks.

I now hope the CA either

a) Sends the dunning letter now which would be collecting on the debt or

b) Sends the letter with {809(1,2,3,4,5) only}. Its past 10 days now but all the more reason why I want them to send it so I could claim they were late as opposed to them not sending anything and claiming that they did.

They have done a hard pull on 6th May and on the same day I called them from my cellphone and gave them my correct address but feigned absolute ignorance and hung up. I also sent out a DV CMRR the same afternoon.

So far no communication other than that they picked up my DV. The greencards been signed for but does not state the date picked up.