Dog Lover

Members
  • Posts

    5
  • Joined

  • Last visited

Dog Lover's Achievements

Newbie

Newbie (1/6)

10

Reputation

  1. I checked but the firm is not on the list. Thanks for the link though! DL
  2. This is what I have for a reply: This letter is being sent to you in response to (a letter I recently received/an entry in my credit file). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC1692g( that your claim is disputed and validation is requested. In accordance with the above statute(s), I am asking that you prove that you have the correct debtor, the correct balance and that you are legally authorized to collect this debt, by providing documentation establishing the following: • Name and address of Original Creditor • Name, address and account number on file for alleged debtor • Amount of alleged debt • Date that this alleged debt became payable • Date that the account originally became delinquent • Verifiable proof that I have a contractual obligation to pay your firm. • Any agreement that bears my signature, wherein I agreed to pay the creditor. • A copy of all statements while this account was open. • Any documents that grant your organization the authority to collect this alleged debt. If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information. According to the law, you must cease all collection activity on this account until the above information is sent to me. All correspondence shall be in writing. At no time shall you call me at my place of employment. Also be advised that, should you call me at any other location, all telephone calls will be recorded. OR To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 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 VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. 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 USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, Is one better than the other? Thanks! DL
  3. I honestly don't remember the last time I paid them but it has to be coming up on close to 5 years. I lost my job about 7 years ago and lived off my CC's until I couldn't pay them anymore. I live in IA.
  4. Nice to find this site!!! I received a right to cure notice from an attorney who served me with papers earlier this year for an old CC debt. That time, I hired an attorney to deal with the situation and all he did was send a response and negotiated a settlement - he was asking for $5000 and I ended up paying almost $4000 so the attorney didn't do much as far as I'm concerned. In my research since then, I see I should never have written a check from my own account to settle this but of course my atty didn't advise me of that. Anyway, the attorney is back with another CC debt. This one is from MRC Receivables - originally Wacovia - saying I owe $3500. This guy obviously thinks he can get me again and I'm scared to death. I found a couple of DV letters but don't know which one to use since this is an attorney. I'm afraid I might really tick him off and he'll really come after me. Please advise! Thanks!!! DL