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Posted: Mon May 05, 2008 2:51 pm

i really won't - i was in real bad panic mode - i'm not normally like that. i cannot believe i even told my parents about this!
I am really not pathetic - but I guess when it rains, it pours - i had those awful payday loans which kept me from paying my cards.. now my health is getting worse and i know it's all this stress.. my blood pressure went up. also, i had an iregular cancer screen last year so i get tested four times a year - always a hard time for me - and i am waiting now for my results. i really used to be such a strong person, i just feel like i am running out of strenght.
i know it was wrong to call but i'm freaking out that i made it worse by calling.
i guess i will send them another copy of the letter? i really also think this is my initial letter and it crossed - i have no idea why i called and pray i didn't make it worse??

Posted: Mon May 05, 2008 2:56 pm

You're not pathetic at all! This can be a scary experience. Please take care of yourself and try not to let things like this affect your health.

You didnt make anything worse, dont worry. All you did was let the some people at the other end take a few pecks at you and get you into a verbal altercation to upset you. Dont worry...you have rights under the FDPCA and you are taking the right steps.

Posted: Mon May 05, 2008 2:57 pm

do not do this to yourself,it is not anything beyond repair.just know they are in the wrong.

Posted: Mon May 05, 2008 2:59 pm

ok, thank you so much - like i said, i don't get support from anyone else but this board when it comes to money matters and it really means everything to me. i know you guys are giving me legal, helpful info.. i know i'm right and they are wrong but people just have this notion that i just should just pay and shut up. if i had the money to pay upfront, i'd love to.. i just can't afford it and have to research these laws.. i really do want to pay these people, i just want to do it right.

Posted: Mon May 05, 2008 3:12 pm

oh, also should i resend the letter? should i add another letter to it mentioning the phone call or let it go? Should i add another letter to it saying that this is not validation? Or should I just let it go because it was dated and sent before they recieved my DV letter? ugh, i am so mad at myself for calling them!

Posted: Mon May 05, 2008 3:17 pm

Its going to be ok....you have our support here 100%!!

The initial dun letter is not intended to be validation, so them telling you that is just wrong.

You have your CMRR card that they recieved and signed for your DV letter..if they try to contact you again or send you another demand letter, then I would resend it. Until then, save your $ on the postage.

Posted: Mon May 05, 2008 3:19 pm

ok, thanks Smile

i should have waited - i have to stop acting so hasty! it gave me problems with payday loans, too.. i am learning that i really just have to wait and sit it out.. that lady just freaked me out because she kept saying i will get sued and that was my letter, etc. Luckily, the only thing i really said to her was that it was my right to validate and for her to stop yelling me. i also told her i know my laws really well - a huge stretch of course but whatever.
so i really can sit back on this one and wait to get something real? again, i will never ever call again.. i am so so scared though, that they will now try to go after me even harder.. or get a judgment faster - because i made it worse by calling.. i am so mad at myself for not playing it cool and at least coming here before calling.. :/

Posted: Tue May 06, 2008 5:37 am

ok, so i am a lot calmer today.. is there anything else i can do for this situation? do i just wait to see if i get a better validation? how long do i wait? sorry for the questions, i just want to do this right! Smile

Posted: Tue May 06, 2008 5:41 am

Posted: Tue May 06, 2008 5:43 am

ok, sorry again for the questions! it's hard to wait because i'm scared they;re gonna sue me in the meantime, i know i got the right, helpful advice here though Smile

Posted: Tue May 06, 2008 5:46 am

You dont have to apologize for the questions Smile

It really is a matter of waiting....they are to cease all collection activity which includes a lawsuit.

Live you life while you are waiting on this....it could be awhile if they are able to validate it at all.

Posted: Tue May 06, 2008 7:07 am

Mornin' Bea -

I'd like you to do something for yourself, please... Next time they [or any CA] send you crap in the mail, talk to us first, before you talk to them. We can help you decipher what's actually happening, and maybe save you another panic attack. We'll be here when you need us.

Best -

Wulf

Posted: Tue May 06, 2008 7:11 am

Do not worry about that call. It is your right to demand validation, even if you know there is an account with your name on it, you still have the right to see all the documentation proving they are who they say they are, that the amount is correct, etc.

You could turn that call around on her actually.....let them try to say that you admitted to the debt, then you can counter that in that same conversation she threatened to sue you and according to law, since she can't legally sue you since the account has yet to be validated, she just violated by that little threat since they can't threaten to sue unless they actually do so.

If you are going to call a CA, just remember to keep a cool head. Remember that they will TRY to intimidate you, try to trip you up. A very good line for any question they may ask is, "I don't recall." They can't get anything out of that statement.

Posted: Tue May 06, 2008 7:15 am

It always helps to be a well informed stubborn irate a-hole when calling these type of agencies. Laughing

I can be civil but they will be on a short leash when I call them.

Posted: Tue May 06, 2008 7:22 am

thanks again everyone!
yea, from now on i probably will never, ever call them and i will def come here whenever i recieve something from them or anyone else.. they just got me so bad i nearly called out of work (luckily, i didn't though). i just freak out, i don't know why.. i did the same thing with the payday loans at first, too.. but i learned with them that i have to stay calm and i gotta learn that with these, too. i think the difference for me is that i know payday loans are not legal in my state and it therefore doesnt scare me as much.. like with these credit cards, i am terrified of being sued! besides i really would like to see a debt validaiton. this card only had a $300 limit at the most.. it has doubled since i stopped making payments this winter? i know they have crazy fees but i would like to see everything printed out.
also, the same day i got the letter from them, i got the same letter from arrowhead for a different credit card.i mean, the same exact letter - just different letterhead! of course i am going to send arrowhead a DV letter and all that.. i just find it strange that on the same day i got the same exact letter?? it seems like they are selling my info or something, it's shady.
on another note, i also sent a letter to ER Soultions (I had a thread about that in the past). I know for a fact that they recieved my letter (I tracked it online) but they never sent back the green card. THey did stop calling, though.. so that seems kinda shady, too.

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