Established Contributor
Posts: 511
Registered: ‎06-21-2013
Any advice before C&D letters?

HI all.


Unfortunately, most of the CAs I'm dealing with have legally validated my debt. Still fighting with Asset Acceptance, but that's another story.  So the rest, Midland, Resurgent and Portfolio have sent the at least the minimum for debt validation.  My next thought was a C&D letter in the hopes they would sell the debt to someone who wouldn't buy the documentation.  After they sell, they will have to remove from CR and I can deal with the JDB that buys it.  Most are past SOL in Texas.  I will handle the remaining 3 still in SOL differently.



I don't know my start scores, but low 500s. 6/2013

EQ FAKO - 638
EX FICO - 665
TU FICO - 697