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I recently disputed and sent letters to several collection agencies. What I got back was a letter from the collector containing a letter from the original creditor saying they sold my account to xxxx and the last billing statement.
Where do I go from here?
@reno55 wrote:I recently disputed and sent letters to several collection agencies. What I got back was a letter from the collector containing a letter from the original creditor saying they sold my account to xxxx and the last billing statement.
Where do I go from here?
Not sure what validation you were expecting but it sounds like they responded with evidence that you owe them. Your next step is to try and negotiate a PFD.
@reno55 wrote:I recently disputed and sent letters to several collection agencies. What I got back was a letter from the collector containing a letter from the original creditor saying they sold my account to xxxx and the last billing statement.
Where do I go from here?
I wish I knew if there were some effectiveness with sending validation letters, other than to validate that I owe the debt. It seems like a counterproductive activity, so we want to move away from that. (Unless someone can convince us otherwise). You call the CAs, with your offer ready - for that day!!! - and tell them you want to settle. Make your offer. Tell them you need the agreement in writing. They will tell you that they cannot email - so have a fax number ready.
On to the next..