formercreditidiot Posted March 28, 2012 Report Share Posted March 28, 2012 If you receive a dunning letter and it only states OC, amount, & the CA's account number, how do you word a zombie debt letter without admitting ownership?The letters I have received do not have a DOFD or anything at all like it. I know for a fact the debt is SoL, but I was under the impression to word my response in a way that does not claim ownership of debt. How can you do that when no DOFD is listed? Wouldn't the CA say, "you aren't claiming ownership, so how do you know the debt is out of SoL?"Geez, I hope I'm making sense. Link to comment Share on other sites More sharing options...
Coltfan1972 Posted March 28, 2012 Report Share Posted March 28, 2012 100% for sure past the SOL and you just want them to go away and not try to solict some fun out of them? It's simple. Dear XXXX,In reference to the alleged account referenced in your letter to me dated XXX. I dispute the alleged account and debt in its entirity. Never contact me again. Sincerely,YouAs always, the sincerely is optional. Link to comment Share on other sites More sharing options...
formercreditidiot Posted March 29, 2012 Author Report Share Posted March 29, 2012 Thank you for taking the time to respond. I will do just that if they contact me again. Link to comment Share on other sites More sharing options...
Coltfan1972 Posted March 29, 2012 Report Share Posted March 29, 2012 You don't have to wait on them to contact you again. You can send them a letter and if you don't know the alleged account number(s), tell them your name and address. Then tell them anything they have in your name is disputed and never contact you. Link to comment Share on other sites More sharing options...
formercreditidiot Posted March 29, 2012 Author Report Share Posted March 29, 2012 Thank you! You're like a credit wizard! I really appreciate this. I have sent them both (JCC Christensen and Capital Managment) a zombie letter CMRRR. Should I send off the letter you suggested as well? Link to comment Share on other sites More sharing options...
Coltfan1972 Posted March 29, 2012 Report Share Posted March 29, 2012 If you covered the debt is in dispute and don't contact me, then no, your good. If not, then I would because you want any contact at all to be a violation. Link to comment Share on other sites More sharing options...
formercreditidiot Posted March 29, 2012 Author Report Share Posted March 29, 2012 Will Do. A million thanks to you Link to comment Share on other sites More sharing options...
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