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Posted: Wed Apr 02, 2008 5:57 pm Subject: My sister needs help..

to make a long story short. my sister had an acct. with Sprint years ago and since changed services. she is now getting calls and letters from a collection agency stating that she owes money for getting out of the contract early. i want to email her an example of a debt validation letter. can anyone out there help me? i am not computer smart so would appreciate the help.
thanks,

Posted: Wed Apr 02, 2008 6:04 pm Subject:

I think this is a good one Smile

Posted: Wed Apr 02, 2008 6:12 pm Subject:

thanks for the letter now i just need the help in getting it to her. my word document is old and won't let me down load the letter. i am trying to contact my sister to get her on this website so she can hopefully print it up.

Posted: Wed Apr 02, 2008 6:26 pm Subject:

That's JCEMT's DV letter. At least, it's the one linked in his sig.

I like it, and I've been using it myself, as well as recommending it to others. I haven't given it extensive real-world testing [don't have but two accounts I need it for...], but it's working so far. Got MRS Associates to piss off, anyway. Smile

Whiterock, send your sister this link: http://www.debtconsolidationcare.com/collection-agencies/better-struct ure.html

In a pinch, you could scribble it down for her, or read it to her over the phone. No tech skills required.

Posted: Wed Apr 02, 2008 6:36 pm Subject:

thank you so much for the help...my computer is kind of old and the word document on the download is more advanced than what i have on my computer (Which sucks thank you very much!!!!!!!!!!)I will forward this to her.

Posted: Wed Apr 02, 2008 6:53 pm Subject:

A couple of suggestions that I left out of my last post:

1 - Have her put the Certified Mail number in the letter itself. This is to establish a link between letter and envelope/CM number. I put do it like this:

Posted: Wed Apr 02, 2008 6:55 pm Subject:

If you need help with document conversion or the like in the future, drop me a PM. I can handle almost any PC-format file.

Posted: Wed Apr 02, 2008 7:02 pm Subject:

thanks Wulf..she is going to call me later when she is online..I will try and guid her here so she can get all the info...she will most likely be signed in as a guest since she is not a computer person either. I will try and call her now and let you know.

Posted: Wed Apr 02, 2008 7:06 pm Subject:

Just called my sister and she is babysitting grandchild so will try and get online later. Wulf how late are you here tonight? We are on the west coast. I think you are on the east coast, is that correct?

Posted: Wed Apr 02, 2008 7:17 pm Subject:

how does the SOL work with cell phone issues? does any one know?

Posted: Wed Apr 02, 2008 7:24 pm Subject:

For my sins [which are many

], I live in Vermont. And I've worked a fourteen hour day today, so I'm likely gonna check out pretty soon.

Not to worry, though. I check in here several times a day, most days, so I'll get whatever message you send me. For forum posts, there's tons of other help available. Many of those folks are even better than me.

Posted: Wed Apr 02, 2008 7:28 pm Subject:

thanks wulf.. if i don't talk to you tonight..you have a good night and will talk at you later...

Posted: Wed Apr 02, 2008 7:29 pm Subject:

SOL = SOL, and consumer debt = consumer debt. Cell phone issues are nothing special. Depending on exactly what they're claiming she owes for, and exactly how your state interprets the matter, this may fall under 'written contract' for SOL purposes. But it's still nothing to stress over.

What state is your sister in? And how long ago was the last payment made on this account?

Posted: Wed Apr 02, 2008 7:33 pm Subject:

Unfortunately i have no clue on the ?s your asking. am going have her sign in to this site and she will then know which way to go.. It may be complicated as there were two phones #sunder one acct. He died and she moved to washington (was living in Oregon) so have no clue to how this works.

Posted: Wed Apr 02, 2008 7:46 pm Subject:

Read this: cardreport.com/laws/statute-of-limitations.html

Posted: Wed Apr 02, 2008 7:54 pm Subject:

You go get a good nights sleep!!! its almost 11:00pm there!!! i will get her here to this site so she can see what she will need to do in this situation..I have no clue.thanks again for your help...NOW GET SOME SLEEP!!!!!!!!

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