Debt Verification letter - A tool to verify your debt

I have read and understand that after the first contact by a collection agency a debtor has 30 days to dispute a claim and if they request a verification, the CA must cease all collections activities until the verification is sent. However, what if (like many do) you scrapped that first letter 2 minutes after opening it? Do you have any right to demand verification (and expect a timely response) at that point?

I'd like to quote something if I may?

"My 8 year old could write a better letter. (I would have assumed this poster WAS 8 years old)
The very first sentence makes no since (SENSE?) and the remainder of this missive is riddled with spelling error(S?), grammatical mistake(S?), run-on sentences, syntax errors, and improper punctuation."

I hope the spelling and grammar in this paragraph were intentionally skewed to make a point.. By the way, I'd like to add a new word to your vocabulary.. 'redundant'
You listed grammatical errors, then proceeded to list the different types of grammatical errors in the same sentence..
I'd also like to introduce a second new word for you...
'concise'
The opposite of this unnecessarily long attempt at enlarging your E-peen.

Taku- Has it been over 30 days since you received the first letter/ If not, you can still send a dv letter to them....Karen

Yes, it's been over 30 days. They sent an initial contact letter, then a settlement letter, and now a letter of Intent to Sue. I know for a fact it's well beyond the Statute of Limitations. Do I need to go through the hassle of getting verification from the law firm that wants to sue me (it's Wolpoff and Abramson, I could get screwed royally taking it to court), or can I send a letter to the credit bureau?

Taku, when you are confirmed from your side that the SOL on this particular account is over, send a letter simply disputing the item and mention that the SOL is expired. Thus, you don't have to pay it legally, but the company has the rights to report the negatives in your credit file only if they have your file legitimately. Send your dispute letter through US certified mail and get the receipt signed by them. If you get a court date sometime later, you will be able to prove that you were aware about the federal laws regarding statutes and show you part of the actions in resolving the matter.

Taku,if I'm not mistaken,you also have to provide the court with proof that is past the SOL. They won't take time to figure it out,so if you don't do it,they won't know...Karen

This is excellant............. I will use most of this while I am out to destroy Bass and Associates who threatened to send me to jail.....

Thanks
Jodi

Here's a copy of a letter I have used that has been very successful in getting derogatories removed:

HeretoHelp, thanks for posting that. It will be very helpful to many people!!

I'm going to be sending out verification letters today, and I'll let you guys know what happens....

I do have one quick question though, I heard that if the debt is charged off that collection companies arn't supposed to go after it. Is that true?

I have 2 collection companies, different names but same addresses on my credit report after the same 1 charged off account...its crazy!

Thanks!

I started using a similar letter starting back in december.

So far I have had 3 items removed from each of the big 3 CRA's

and just received a letter from another one saying they have no record of that account and will have it deleted.


Another 1 I have problems with because they verified the 1-2 punch while it was in validation stages.

The 1-2 punch for those that dont know is you validate a Credit reporting agency but not an OC Original creditor.


They are prohibited from professional collection activiy while it is in validation..so as soon as you get the return receipt back from the certified letter you send..

You have already prepared the letter disputing it with the credit reporting agency.

You send that out the same day or the next day you get the return receipt back.

That way they cant verify and it is deleted.

You only have to win once, they have to win everytime.

If they do verify they are in violation of the fdcpa and the FCPA.

From there you send off a request for a procedural request to the CRA and find out exactly how they verified it.

Send another stern letter to the CA (collection agency) giving them 15 days to delete it and if they dont...let the complaints to the state and federal agencies fly.

Give it another 30-60 days...if no response...SUE THEM.

They are liable for 1000 dollars for each violation of each act.

Dont accept a partial validation..I cant tell you how many I have received with a computer printout.

If they do not do a full validation within 30 days then they are legally required to delete it.

I have a feeling I will be going into a court battle with the one that verified (and they did send a partial validation) after the 30 days even.

They have violated my rights 3 or 4 times and my suit will say as much.

You guys are life savers.

I have been ripping my hair out for the last two days, because one of the debt collection agencies is trying to use that bogus arbitration on me. I have asked lawyers and "experts", and they want a fee before they will even help you out. It makes me mad. Thanks though for all the resources you have provided, and if I was rich man I would buy a round for all you guys.

If you are dealing with arbitration,make darn sure you send written refusal to whichever company they use to arbitrate and demand to be taken to court.

Yeah I am doing that today, and plus with that sending a VOD also. So we will see what happens.

Sending 3 out today all of them to access capitol. They have been re-aging the things they have posted on my CR's. I am sending them one a week,instead of adding all 3 accounts to one letter, this way they have to do more grunt work. Wish me luck

I am in the process of disputing with Palisades collection agency. I have read all your entries and I feel a sense of empowerment. I hope that I have the same results as you.