Debt Verification letter - A tool to verify your debt

Stanly, I called the creditor that sent me a stack of bills. They said that all they are legally required to do is verify my name, the billing address, and that the name and DOB matches the SSN. They said they dont care whether it is not mine or not. It is too late to dispute it with them. I can refuse to pay but they are not going to take it off. What I want to know is that true? They can just stick something on someone's credit like that? I asked them for proof and they said and I quote: "The way you request service with our client is you call up and request it. We run a credit check and you would have had to provide your info at that time. We then start delivery of the service." I asked them how can you be certain it was me who did this? She said doesn't matter to her. The time to dispute this has passed. They assume the debt to be good.

How can they get away with this? I am going to send her a letter telling her to state that in writing. I am going to send that to the Credit agencies and tell them to take it off because they have no proof that I have an obligation to pay them and have admitted that fact. Is that what I should do?

Stan, your expertise are needed here.

Debtor has 30 days to dispute the debt validation. I think you called her within the 30 day time frame right? It seems they are not following fdcpa rules. They cannot ignore your plea this way. Go through the Fair Debt Collection Practices Act, you will realize if they are doing anything wrong with you or not-

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

You should dispute with credit bureau with copies of all the relevant paperwork you have. Send your letter through certified mail with return receipt requested.

Also can you name the collection agency? Then forum members can help you find out if it is legit or not. Are you sure that this bill is not yours. You can file complaint against them with FTC, BBB and AG's office of your state. Keep us updated.

P.S. seems you forgot to log in. Feel free to PM me once you are logged in.

Hi All:

Can someone recommend a legitimate attorney to settle the credit card debt with Visa/TARGET......they are a nightmare. I have already disputed the amount by making a complaint to one credit bureau. I spoke to attorney Hess Kennedy......but has anyone dealt with them cuz they want to get your social security # and bank # before signing the contract and something doesn't feel right about that. Is that legal?

thank you all..
Margarette

Hi Margarette, welcome aboard

HK is holding satisfactory record with BBB. You can also contact Office of Consumer Protection and Attorney General to know more about them.

I haven't dealt with HK personally. You can search this forum to read some feedback on Hess Kennedy.

I am trying to find what constitues Proof that the collection company owns the debt/or has been assigned the debt. A collection agency provided me an itemized statement that appears to be from data gathered from a creditor. It does show the account was transferred into a collection account. They don't provide me with a copy of a contract between themselves and the creditor.

A debt validation letter must give you the complete information about the account for which the collection agency is collecting. Request them to send you the copies of the contract signed with your credit company.

I send a letter to a creditor requesting verification of debt several weeks ago. I received a response today. In the response they are saying that in order properly fullfill my request to verify the debt they need me to call them. Should I call?

Yes, you must give a call to the creditor if this is about a legitimate debt. You need to have the complete information in writing before sending the payments. Go ahead and place the call. You have to repair some of the negative remarks if they are appearing in your credit file.

wow Jerry, thats great work!!--how is it that you get answers back when you write letters, I just go on getting ignored? (sigh) shirley

My 8 year old could write a better letter.
The very first sentence makes no since and the remainder of this missive is riddled with spelling error, grammatical mistake, run-on sentences, syntax errors, and improper punctuation.

The recipient(s) must think you're an uneducated, alcoholic, nut job. Or perhaps, English is your second language?

I was forwarded this link from a friend after I asked for a letter I could send to a collection agency.
This letter is terrible - I can't believe it wasn't proof read before you mailed it out, and more importantly, you posted it for others.

I know this is harsh, but this web site seems to be informational and instructive. If you want to offer a letter to send to a professional business, it better be written professionally.

BTW, the grammer and spelling contained in most of the posts on this thread are equally dreadful.

Are most adults this illiterate ?

I'm still reading through this -incredible.

What does the follwing sentence mean ?

"? What the money you say I owe is for; "

What does that mean ?
What is the purpose of all the question marks before your questions ?

This forum should be titled "Trailer Park deadbeats who won't pay ther bills and never graduated from 8th grade"

You obviously came to this site looking for information regarding your current collection issue. Would you classify yourself as a deadbeat? What makes you any different? If you have a suggestion, or idea, why not share it to help others? Does it make you feel better to insult others? It's okay to offer constructive criticism so a person can learn from their mistakes? But insults are not necessary.

I apologize, I make this correction in the above statement: It's okay to offer constructive criticism so a person can learn from their mistakes. (Did not intend to end that sentence with a ? in the above statement).

Thanks for the sample letter. I am using it with changes, I made, to suit my situation.

You know what Steve O--we are all here for the same reason and it is NOT spelling or grammar class. No one is going to want to help if you have that I am perfect and you are idiots attitude. I hope you are not that way with your child. Do you have a question or some helpful information for any of us or did you just come here to bash us to make yourself feel better?