how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 01:42:52 GMT

Today in the mail i received a letter for a collection on a debt that is not mine. i pulled my reports in feb and this debt was not on any of them. In fact I just sent mt dispute letter to the agency to remove another debt that was not mine. im not sure what to do? should i just ignore this letter, give them a response saying the debt is not mine? and if i do respond can't they then put this on my report? it sucks because i really never opened this account... any advise please help?

Re: how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 01:58:21 GMT

NEVER ignore a CA. Even if it isn't yet on your credit report. Be pro active. Send them a DV letter. Then search the site if they respond, but inadequately, for a follow up letter.

Re: how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 02:00:10 GMT

okay- what is a dv letter and how do i respond to a debt i know nothing about.

Re: how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 02:08:51 GMT

A DV letter, is a debt validation letter. Search the site for DV sample letter.

It is a letter the CA must reposond to within 30 days showing that they have all the paperwork showing that the debt is in fact yours, and if they cannot provide that info, they cannot report it to the credit bureaus- and cannot collect on it.

You want to send it CMRRR, and give them 30 days, if not response after 15 or so, send the follow up DV... (also on the site if you search)

This would be your best bet since it truly is not yours, jsut keep everyhting in writing- do not call them/ accept calls from them..

Re: how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 02:09:57 GMT

A DV letter is a Debt Validation letter, a letter telling the CA that they need to send you proof that the debt belongs to you, ceck out the abbreviation FAQ also..

Re: how wo repond to a collection letter HELP?

Anonymous — Tue, 18 Mar 2008 04:44:17 GMT

If they are not reporting when they receive the DV letter, then they can not report until they have validated.

Below is a sample letter from the forum here. Make changes where needed. Proof read and make sure you make all the changes and don't miss none.

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.

All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:

• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State

Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.

If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.

I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name

Of course never sign the DV just type your name

Message Edited by sidewinder on 03-17-2008 09:44 PM

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how wo repond to a collection letter HELP?

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