Debt Verification letter - A tool to verify your debt

Thank you JCEMT for the help.

Do you just type your name on the bottom or do i have to sign it too. I'm not sure where i read, that it not good to sign the DV letter. But looking at the sample DV letter. It has
Your signature on the bottom. Just making sure before I send.

Only type your name, never sign anything.

The guest is right. Never sign that letter. Otherwise, you may see your signature appearing on fake documents that they manufactured in-house.

It's a trivial matter to put your signature on a paper you've never seen. Anybody who's halfway good with computers and has a scanner can do it in about ten minutes.

Thanksd for this info! I reieved a letter from this company for who knows what. thanks again for providing the proper sets to take care of this.

The debt validation letter posted in here is from back a few years ago. Has anything changed since then or is all the info in that letter still valid to use?

I love how occasionally there is some debt collector in here bashing all the good information. This is proof of all this good information hurting them. Down with illegal debt collecting practices.

The debt validation letter posted in here is from back a few years ago. Has anything changed since then or is all the info in that letter still valid to use?

It's still valid but a might bit wordy. Tailor it to your situation and trim it down so it doesn't scream form letter from the internet. A simple I dispute this alleged debt in its entirety and demand validation of same will generally be sufficient.

When you are talking about someone working a 9-5 job for a collection agency, don't you think they feel bad once in a while? When they get a real A hole on the line they must love taking out their frustrations on them. I think a different approach, honey coat your request. I had some luck with sending a cover letter explaining my situation (in this case I had already paid the collections and was trying to refinance my house), I said that money was tight, business was slow, getting sued for an auto accident, etc and told them I would like them to remove the items from my credit report because I believed someone else may have used my identity without my authorization. I then sent the following letter (a slightly altered version of the second one posted here.

To Whom It May Concern:

It has come to my attention that you have placed a derogatory remark on my credit bureau files referencing the above-mentioned account number and I must ask you to provide the following information regarding this item:

1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. (see attached FTC opinion regarding this)
6. Complete payment history, starting with the original creditor. (I need to have proof of payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004

You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you have placed this derogatory information in my credit bureau files in error, and that this matter is permanently closed. I would therefore expect those entries to be immediately deleted from my files with all reporting agencies. If you cannot provide the requested documentation, and the disputed item is completely and permanently removed from my credit report within 30 days of receipt of this request, I will waive any right for further action and will consider this matter closed.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.

Sincerely,

NAME
ADDRESS


cc: Equifax
Experian
Transunion

I also enclosed a printed copy of this document along with the full url to the page so they could verify it's validity. http://www.ftc.gov/os/statutes/fdcpa...rs/wollman.htm

I've been paying money to Menzy and Associates since August 2006 I just found out that are no longer in business.

hi ya'll what are the ''rules'' or regulations for a first party debt collector. ietelephone calls,every hour. a third party collector can be advised to call at a specific time that is convnient to the consumer per 805-par a sup 1..in the absence of knowledge of circumstance...where can i find the reg.s for the first party?

if a 1st party is calling every hour, is this intent to harrass,?
and arn't they supposed to be identifiable ? ie the caller id should not read unavailable. that is a blocked call, clearly a attempt to fool the consumer, is it not? am i way off base, with my humble assumptions?
thank you ver much for your time

I don't know if there are laws against that now but years back, my husband owed on a tire chain's credit card that he hadn't paid. I talked with the collection agency and paid it off in full (before I knew about settlements). But I used the OC's information to pay off the bill, not realizing I was talking to an outside collection agency.

A month or so later, I got a call from the CA angry about my not paying as I stated. When I explained I did pay and how (had to send proof of my canceled check), the CA rep got furious with me. Apparently I'd cost that person commission. He wasn't real nice, so I wasn't heartbroken, but it goes to show that OCs will take payments though I'm not sure if it's in all cases.

Those spewing venom on this board are obviously collectors who don't want to lose their money and are trying to discredit what's written here. Though not every CA rep is bad. My son's friend's mom works at a CA and she gave me some good advice for settlements, though what I've found here is more indepth. She'd only been doing it for a short time (about a year) so I doubt she was familiar with all the laws. You'd think they'd have to go through formal training to learn the laws of their state.

I don't know if there are laws against that now but years back, my husband owed on a tire chain's credit card that he hadn't paid. I talked with the collection agency and paid it off in full (before I knew about settlements). But I used the OC's information to pay off the bill, not realizing I was talking to an outside collection agency.

A month or so later, I got a call from the CA angry about my not paying as I stated. When I explained I did pay and how (had to send proof of my canceled check), the CA rep got furious with me. Apparently I'd cost that person commission. He wasn't real nice, so I wasn't heartbroken, but it goes to show that OCs will take payments though I'm not sure if it's in all cases.

Those spewing venom on this board are obviously collectors who don't want to lose their money and are trying to discredit what's written here. Though not every CA rep is bad. My son's friend's mom works at a CA and she gave me some good advice for settlements, though what I've found here is more indepth. She'd only been doing it for a short time (about a year) so I doubt she was familiar with all the laws. You'd think they'd have to go through formal training to learn the laws of their state.

What the hell happened to this country?? You people should be ashamed of yourselves. Abusing a legal process that is designed to protect INNOCENT people from predatory practices so you can escape from having to honor legitimate obligations... disgusting. The only good thing about our economy tanking is that the dead beats who use credit like it's welfare are going to get a very rude reality check! Been living on credit? Not anymore, chumps! After getting bit in the ass for so many billions, banks will only be giving credit out to those who deserve it. That's the it should have always been anyway.

I've recently been contacted by National Enterprise Systems (NES) and they told me that if I didnt settle my debt with them that they would be filing suit against me to take me to court. I spoke with Several differnt people about the debt I owe and informed them of my desire to pay off my debt. They told me that I needed to come up with the money in two days or further action will be taken. I did try to come up with the funds and to show a sign of good faith gave them checking account info. Once I was unable to obtain the funds I told them to not process a debit on my account. For my protection I got them on tape saying that they would stop the withdrawal. I then sent a certified letter to them expressing my desire to pay off my debt with a check in the amount that I stated I was willing to pay per month even though they refused making payment plan. What should I do now? Have I done everything I can do?