BigCat11 Posted February 23, 2009 Report Share Posted February 23, 2009 On Saturday I received a dunning letter from Mann Bracken. I did some research and my first late was in March 2005 and the account went to collection in August 2005. I'm in Texas, so the 4 year SOL would be in August 2009 which is in 6 months. I want to be prepared in case the serve papers and try to get a judgement against me. The amount has inflated to $8,000.My goal is to stay under thier radar and get past the SOL. What do I need to do?Thanks. Link to comment Share on other sites More sharing options...
Flyingifr Posted February 23, 2009 Report Share Posted February 23, 2009 VOD immediately to protect your FDCPA rights. Link to comment Share on other sites More sharing options...
BigCat11 Posted February 23, 2009 Author Report Share Posted February 23, 2009 You should know that since I am in TX...there is no such thing as an untimely DV letter.Please correct me if I am wrong Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted February 23, 2009 Report Share Posted February 23, 2009 You should know that since I am in TX...there is no such thing as an untimely DV letter.Please correct me if I am wrongWhich has zero to to with protecting your FEDERAL rights. Link to comment Share on other sites More sharing options...
BigCat11 Posted February 23, 2009 Author Report Share Posted February 23, 2009 Ok, thanks for that. I am going to send a letter this evening. Link to comment Share on other sites More sharing options...
BigCat11 Posted February 23, 2009 Author Report Share Posted February 23, 2009 I am going to send a verification of debt request (CMRRR) to Mann-Bracken this evening. Should I also dispute this with all three CRA's at the same time? Link to comment Share on other sites More sharing options...
astiman Posted February 23, 2009 Report Share Posted February 23, 2009 NOOOO!!!!!!You are requesting a VALIDATION of the alleged debt, NOt a 'verification.'Send it CMRRR..... Link to comment Share on other sites More sharing options...
BigCat11 Posted February 23, 2009 Author Report Share Posted February 23, 2009 ok, I will send a debt validation letter. Do I need to dispute with CRA's at the same time. Link to comment Share on other sites More sharing options...
admin Posted February 23, 2009 Report Share Posted February 23, 2009 I'd dispute with the CRAs in a separate letter. This may set you up successfully for the 623 Method later. Link to comment Share on other sites More sharing options...
BigCat11 Posted February 24, 2009 Author Report Share Posted February 24, 2009 Letter sent CMRRR this morning. I will dispute with the CRA's today and tomorrow.Is my next step to wait and see what happens? Link to comment Share on other sites More sharing options...
bubbaboo Posted February 24, 2009 Report Share Posted February 24, 2009 Almost all of my collections have gone through Mann Bracken at some point. My experience with them is that I send them a validation letter, they either ignore it or send the affidavit saying "yes, you owe us the money", and then I never hear from them again. Eventually they sell it to someone else. I only have one collection with them now and they have not sent me anything. In December, two other collections they had were sold to other collection agencies. And I had a couple more that they sat on for over two years before they sold them, and now the debts are outside the SOL.One big problem with them is that they like to go to arbitration with the NAF and they have a reputation for not serving the defendant. They like to use old addresses for service or addresses where you have never lived. With the attorneys they hire, their only chance of winning is if the defendant does not show up.Send out the validation letter CMRRR so that you have proof that they have your address.If you do get served, their attorneys are the worst in the courthouse. Link to comment Share on other sites More sharing options...
wahoo238 Posted February 25, 2009 Report Share Posted February 25, 2009 If your first late was March and you never brought the account current after that, the SOL begins then and not from when it goes to collections. IMHO I would let sleeping dogs lie, since TFC is more restrictive than FDCPA, I think you loose nothing as far as rights. Link to comment Share on other sites More sharing options...
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