In your written communications, whether it's with an OC, a CA, a CRA, or someone else, don't ever try to sound like a lawyer or use any of the various "Sample Letters" you can find online in many, many places.
By and large, many of us Credit Freaks consider them Nutcase Letters because the recipients of the Nutcase Letters probably pass them around the office saying, "Heh, read the letter I got from this Nutcase."
An ordinary person who sounds like a Nutcase in a letter might well be perceived as a Nutcase by a judge, if it ever came to that. Sounding like a Nutcase does not help your cause.
As an ordinary person, you want to speak in plain language, be brief but direct, and use only concise references to the law, FCRA, FDCPA, et al. If you author a diatribe thinking you sound like Cicero or Clarence Darrow, think Nutcase.
The only real merit to Nutcase Letters, IMHO, is for therapeutic reasons. If you're up against some immovable mountain--like a CA that won't take payments, but can't sue, and won't PFD--then Nutcase Letters do help one's mental state, and that is important. In rare instances only will a Nutcase Letter work.
I daresay real lawyers doing credit/debt issues don't spew long diatribes. They convey the message quickly and to the point.
I represent Mr. Noah P. Bodie in the matter of Account Number 666. Direct all communication to my office.
