Letters from Debt Collectors- return to sender??

[quepasoksl]

I'm sure we all know when a letter is going to be from a debt collector just by looking at the envelope. Has anyone tried 'return to sender' or 'moved no forwarding address' or 'no such person at this address'??? I'm less than a year away from the SOL being up on the debts that I have failed to pay. I have settled several already and haven't filed for bankruptcy since it is so close to SOL. When I pulled my credit reports from myfico.com a couple of months ago several had marked the tradelines as 'unable to locate consumer/customer'. But when I pulled them at the end of Sept. those seemed to have vanished.

I know that I have Asset Acceptance, CACV, Tate & Kirlin, Sherman Acquisition, and another attorney's office sending me letters. The one from today is from Warren, MI so I am guessing it's another Asset Acceptance letter.

Any suggestions??? Is it better to just ignore them or should I return them and if so how should I mark them???

Thanks in advance!!

[retmar]

The best thing to do is to open them, read them, and place them in a file. This way you can track their intentions by what they say. If you did return the letters as you described, it will hurt you more than you think. An example is if you sent the letter back, they file suit, you go to court, and they show the Judge your returned letter, with your notation, guess what happens? You lose without any argument.

You can stall the process by sending them a DV letter. This way they must prove validity of debt before they can pursue any action. If they did file without validating, then you have a good defense. If they claim they do not have to validate, this is another defense. Your intent is to cause them to violate you, so as to put the burden on them. This is beneficial as by your having the "edge", they are more apt to accept your offers of settlement.

Your other goal is to let the SOL pass. Once this is accomplished, you will have the edge again. At that time, you will send them offers of settlement for less than actual amount and get deletion from your CR's. True, they are JDB's, who paid pennies on the dollar, who will try and convince you and the court they are now the OC and not bound by the FDCPA, but, this is not true.