lordon

What do you think of my hardship letter?

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Please post an opinion of my hardship letter I am cmrrr ing to discover. ps... this is all true

In summery it says....

My wife and i have been with discover since 1994 we have paid balances off to you several times, some as large as 19,ooo.oo

Unfortunatly, we had an unexpected battle with cancer in our family where my wife had to quit her job to care for her dying father.My wife contacted discover and explained that we would have trouble paying our accounts, but the represenative said they could do nothing.

After the death of my wife's father we incurred funeral expences that had to be paid up front before burial.

My wife and I then contacted a credit counseling service to help us, which in turn did nothing but hurt our financial situation further. My wife fell into a deep depression resulting from watching her father die in our home and working for her was impossible.

However we are now in a better position financially and would like to resolve this matter with you. We understand our accounts are with zwicker and assoc. but still owned by you.

We have tried to talk with them but they are truely impossible to deal with, We have to sift through the lies and outrageously rude behavior to try to even get an answer to a question.

Please help us to resolve this matter with you directly.

You can contact us via mail and we will be happy to work something out with you.

thank you for your time,

sincerley,

acctsxxxx

xxxx

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Has this acount charged off? Are you sure Discover still owns the account? If it has charged off you are beyond the possibility o getting into a hardship program with Discover.

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Has this acount charged off? Are you sure Discover still owns the account? If it has charged off you are beyond the possibility o getting into a hardship program with Discover.

All together now....Charge Off...does not mean SOLD. It could be listed as CO on your reports, but unless it says "sold to another lender" with a $0 balance, Discover still owns it.

And...the letter looks good to me. Its worth a try...

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This account has been charged off, talked directly to oc and they do still own it.

Good...your letter looks fine...give it a try....

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You can refuse to deal with the CA if they are being a pain, but if you send a cease communications letter to them, they may jusy sue, which is why you also need to document and memorialize their harassment and send it to Discover, along with your request to deal with only them.

But I would wait to do that in a followup letter via CMRRR, the one you wrote is perfect for a first letter. The second one needs to take a more serious tone, implying that it would be in Discovers best interest to not leave this important matter up to the law-breaking CA.

Discover will already know that they can be held liable for anything the CA does wrong, especially if it's all properly documented, so you need not point that out.

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I have been searching on the net for all negative info on this ca i can find... PRINTING IT OUT TO BE SENT WITH NEXT LETTER (BECAUSE I'M SURE THERE WILL BE MORE) also added to my original letter... because of the reputation and ethics we have seen from zwicker we must set up arrangements with discover directly.

(PSS... I am also sending a cmrrr to the ceo of discover)

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PRINTING IT OUT TO BE SENT WITH NEXT LETTER

Good plan. Besides, if Discover recalls the account, they won't have to give any of it to the CA.

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I know charge off does not mean the account has been sold. I asked if it had been sold because if Discover still owns it and a DV is sent, the account will likely be bounced back to Discover, making it easier for the debtor to deal directly with the OC. My point is that after an account is charged off Discover will not allow a debtor to enter a hardship program. That option ends with charge off. BUT send the letter. Maybe you'll be the exception.

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I see on your other thread about this Discover account that you didn't answer the question about sending a DV to the collection attorney working for Discover. You seem to be confused about sending DVs. You don't only send a DV to a CA after the account has been sold. You send a DV to any CA working on behalf of an OC, too. IMO, sending the DV ought to be your first move. Sending the DV could get the account back to Discover, which is what you want in order to discuss hardship or settlement.

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I know charge off does not mean the account has been sold.

Sorry...I went back and reread what you said. My bad...

(Fighting the flu...the whole charge off / write off / magic 180 days / wait till charge off then they'll settle crap is getting to me).

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