andres99pony Posted January 11, 2009 Report Share Posted January 11, 2009 I just wanted to share my experience with said CA. I discovered that my debt with them was past SOL and sent them an untimely DV. They responded with a letter which showed what I believed to be the last bill from Sprint. I then responded with a PFD or C&D letter, with a contract that needed to be signed by 12-29-08.They obviously didn't like the idea of the PFD. They are now going to see nothing from me.BTW, I used the ""Agreement to Compromise debt" sample letter from the top of this page. I think I am now going to try and use the following letter from WhyChat: Notice to Collection AgencyMaybe I can get it deleted with that letter. Link to comment Share on other sites More sharing options...
nascar Posted January 11, 2009 Report Share Posted January 11, 2009 I think I am now going to try and use the following letter from WhyChatWhy not ... even debt collectors deserve a good laugh every now and then. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 11, 2009 Report Share Posted January 11, 2009 It would seem to me that if the account is past the SOL, then you could send them a FOAD letter instead. I have a CA chasing me for a debt that's over 10 years old. They're getting a DV letter then a FOAD letter after I get back their response to the DV. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 11, 2009 Report Share Posted January 11, 2009 It would seem to me that if the account is past the SOL, then you could send them a FOAD letter instead. I have a CA chasing me for a debt that's over 10 years old. They're getting a DV letter then a FOAD letter after I get back their response to the DV.Usually, if a cease communication (C&D/FOAD) letter is appropriate, there is not need to dispute the debt and request validation.First of all, they are likely to not respond to the request for validation.Second, even if they do respond, it's likely not going to provide any information that would be useful to you.Therefore, requesting validation when you know you are going to eventually tell them what to go do with themselves wastes time, money and effort.Now...there are occasions when seeking validation even when your ultimate intention is to tell them to FOAD but I'd say those situations are infrequent at best. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 11, 2009 Report Share Posted January 11, 2009 Why not ... even debt collectors deserve a good laugh every now and then. What do you mean??? I'm sure the WhyChat letter will make them tremble in fear. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 11, 2009 Report Share Posted January 11, 2009 Usually, if a cease communication (C&D/FOAD) letter is appropriate, there is not need to dispute the debt and request validation.First of all, they are likely to not respond to the request for validation.Second, even if they do respond, it's likely not going to provide any information that would be useful to you.Therefore, requesting validation when you know you are going to eventually tell them what to go do with themselves wastes time, money and effort.Now...there are occasions when seeking validation even when your ultimate intention is to tell them to FOAD but I'd say those situations are infrequent at best.Well there's a few reasons why I personally want to send a DV letter. This happens to be one of those nasty buggers that was included on my BK-13, but they are not reporting that it's IIB on my CR's. Even though the SOL has long since come and gone, it was IIB for the simple reason that it was still showing up on my CR when the BK atty pulled my EX in Feb 08. We decided that better to be safe than sorry and just list everything on the BK. That was nearly a year ago. Since they are still reporting, they should have included the IIB statement on the TL. Isn't this a violation because they haven't done so? I've got a bunch of others that didn't report IIB as well and here we are, 11 months later. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 11, 2009 Report Share Posted January 11, 2009 Well there's a few reasons why I personally want to send a DV letter. This happens to be one of those nasty buggers that was included on my BK-13, but they are not reporting that it's IIB on my CR's. Even though the SOL has long since come and gone, it was IIB for the simple reason that it was still showing up on my CR when the BK atty pulled my EX in Feb 08. We decided that better to be safe than sorry and just list everything on the BK. That was nearly a year ago. Since they are still reporting, they should have included the IIB statement on the TL. Isn't this a violation because they haven't done so? I've got a bunch of others that didn't report IIB as well and here we are, 11 months later.If the issue is their reporting on your CRs I think the DV process is an waste of time...I would be going after them with barrels blazing - if they are misreporting then they may be in violation of not just the FCRA but Federal Bankruptcy law as well. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 12, 2009 Report Share Posted January 12, 2009 If the issue is their reporting on your CRs I think the DV process is an waste of time...I would be going after them with barrels blazing - if they are misreporting then they may be in violation of not just the FCRA but Federal Bankruptcy law as well.Oh, I've already snagged one OC... Verizon of all people. They showed up on my CR in Feb as the account closed at credit grantor's request. This was on the report my BK attorney pulled just prior to filing. The BK was officially filed on 2/25/08 and this creditor is listed on the BK. When I pulled my CR in Dec, it now shows as being a C/O and there is no mention of IIB. I'm just curious as to how many violations they have on that one alone. I'll laugh my hind end off if I can catch more violations because then I will sue them. The debt is for $54. My Dec CR shows status as Account Charged off/ Collection account. $54 written off. $54 past due as of Oct 2008. The more violations they rack up, the more I'm willing to sue them over it. I'd be happy with a nice chunk of change from them for a $54 debt There's many more that started coming out of the woodwork, so to speak, and when the plan is amended, those will be included as well. Link to comment Share on other sites More sharing options...
andres99pony Posted January 12, 2009 Author Report Share Posted January 12, 2009 What do you mean??? I'm sure the WhyChat letter will make them tremble in fear. That is what I'm after; maybe that fear will lead to a deletion? Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 12, 2009 Report Share Posted January 12, 2009 That is what I'm after; maybe that fear will lead to a deletion?Obviously the sarcasm didn't get through. Link to comment Share on other sites More sharing options...
andres99pony Posted January 12, 2009 Author Report Share Posted January 12, 2009 Obviously the sarcasm didn't get through. oh, i get it now. Link to comment Share on other sites More sharing options...
andres99pony Posted March 15, 2009 Author Report Share Posted March 15, 2009 States the following: "TAX SEASON SAVINGS". Then goes on to list a 50% settlement, a 75% 2-payment settlement, and the option to make monthly payments.I sent another offer to PFD for $100 (out of $680 I owe). No reply to that, so they are now getting a C&D letter, CMRR. Maybe they send another "offer" after the C&D. Link to comment Share on other sites More sharing options...
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