Should i dispute w/ the credit bureau's first? Validate with the collection agency first? and how many at a time can someone recommend i dispute because i have a hand full. Thank you confused and interesting person in fixing credit report...

[Lolastar23]

This letter is very helpful. Is it too late to use a letter like this after a judgment has been put on me? I'm not sure of the SOL in Minnesota. The judgment is a year old.

What did you include in the above letter that states read the enclosure for an opinion regarding matteres such as these from the Federal Trade Commission. Where did you get that info? By the way this is great, thanks for sharing.

so i sent a collection company a VOD letter in october, and nw in march of the followng year, they now say that they have the autorization to collect this debt. 5 months? i live in California.... please help.

NES has demanded a settlement on a credit card debt by 4:30 p.m this afternoon, telling me that no payment plan is avaible that it must be paid in full. What do I need to do?

From researching on other sites, I understand that by paying off the Credit Agency that now owns my debt, and actually securing a Pay-For-Deletion agreement so that once paid, they delete the item compeltely from my credit reports, that this does not mean that the Original Creditor will be shown or honor the Pay-For-Deletion I made with the Credit Agency they sold my debt to, nor deleted the Original creditor from my credit report. So my question is, if I am fortunate enough to get a PFD with the CA, how can I get the Original Creditor's bad mark to also reflect PFD on my credit and removed. Is there a seperate letter I need to send to the Original Creditor.

Hello....thanks so much for the wealth of information on your website, I have a question for you please? At the end of your sample Debt Verification Letter you have a line that reads "Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission" Can you tell me where I can find the enclose so that I can include this in my letters to the debt collectors

A law office (Forster & Garbus - 500 Bi-County Blvd
Farmingdale, NY 11735, Has sent me a summons to appear in a local court, but there is no appearance dat. Also other dates are wrong.
There is a handwritten date of 7/9/09 and another date, in the summons, June (blank) 2009.
However I was handed this summons about 530pm this Saturday 8/14.
It states that I must answer this within 20 days.
I am tempted to send the letter you recommend demanding all sorts of evidence as to what I owe.
So what do you suggest I do now?

Thanks.

Robert Banks
631-667-6630
reb4884@aol.com

"SINCE" most adults like you must be illiterate, ya, I guess so. FOOL! Pot calling the Kettle black?

Originally Posted by Anonymous

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 ?

If you don't live in that state where the court is, they cannot take jurisdiction over you. you can file motion to quash for lack of jurisdiction.

Originally Posted by Anonymous

A law office (Forster & Garbus - 500 Bi-County Blvd
Farmingdale, NY 11735, Has sent me a summons to appear in a local court, but there is no appearance dat. Also other dates are wrong.
There is a handwritten date of 7/9/09 and another date, in the summons, June (blank) 2009.
However I was handed this summons about 530pm this Saturday 8/14.
It states that I must answer this within 20 days.
I am tempted to send the letter you recommend demanding all sorts of evidence as to what I owe.
So what do you suggest I do now?

Thanks.

Robert Banks
631-667-6630
reb4884@aol.com

Originally Posted by Anonymous

Hello....thanks so much for the wealth of information on your website, I have a question for you please? At the end of your sample Debt Verification Letter you have a line that reads "Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission" Can you tell me where I can find the enclose so that I can include this in my letters to the debt collectors

Yes please, what is the enclosure?

[Chrys Henderson]

It is likely one of the letters or staff opinions/commentaries on the FTC's FDCPA site. There are a great many of them, so you can peruse them and print out anything that bolsters your case, including the relevant statute of the FDCPA itself.

I received a summons, delivered in person, stating that a debt collector was suing me. I called the attorney listed on the summons and asked if he could give me any information regarding this debt, as I had no idea. As the summons stated it, it was an old credit card debt from MBNA. I asked the attorney if he could give me the account number that this was in reference to but he refused. I later called Bank of America, after finding the account number in one of the exhibits attached to the summons, but they could not give me any information regarding the account, only saying it had been charged off and gave another number to call. I called the number of the collection agency who then transferred me to their attorney. The collection agency's attorney said they already had a judgment against me and hung up on me. I showed up to the court date late and missed my call, and there was already a judgment of default placed against me. I applied for and received a motion to dismiss judgment and am awaiting a status trial. My question is this; I am going to send certified letters to the attorney who sent me the summons, Bank of America, and the collection agency requesting debt verification. I currently have accounts in good standing with Bank of America and cannot understand how this one could have gone to collections, nor could they tell me. I have no record of this account, and therefore no verification that this is even a valid debt. As it has been over 30 days since the original summons, and I have a status hearing coming up, does the attorney have obligation to prove this is a valid debt, or that he has done due diligence in ascertaining that is a valid debt. The only thing things that were sent to as exhibits, were a generic credit card contract (none with my signature) and a judgment from some "National arbitration forum", which I have never heard of.

[Chrys Henderson]

NAF is being sued Class Action, largely precisely for this very reason. Get in on the Class here:
"http://milberg.biz/naf.html"

Also, about your present situation, file complaints with the BBB, the FTC, your State Attorney General, the Bureau of Consumer Affairs, etc.

If you already have a summons, then a DV letter will do you no good. What you need to do is file a Motion for Discovery. Call your local county civil court (or Google their website) for more info and the proper forms. (If it's not on the county website, check the state.)

As far as the other "judgement", call the court on that one, and file a Motion to Vacate due to Improper Service (since you never knew about it). It will likely be better to go in to the courthouse itself, though, because from what I gather, the telephone clerks can often be unhelpful.

My motion to vacate judgement was accepted. I have a status hearing next month. I will probably have to go down to the courthouse to file the motion of discovery as I could not find anything on the county's website. I am assuming that the process is fairly simple, but is there any special language that I need to use when filing for the motion?

Pulled my credit report & saw an Applied Card Bank as derogatory on my husband's credit. Tried calling & was told this was sent to an attorney. Called the Attorney and was told that they do not accept payments. I had to pay it off or go to court. The "attorney" would not verify the debt. I had an attorney friend of mine call and he still has never received anything from them, yet it is still on my credit report. I called them again and had to do a conference call with my attorney friend to prove that I could handle this on my own. Then when I requested verification, they told me that the could not get that. I then told them that I am going through Debt reduction services and have to have it for them. They said that they will not work with debt reduction services. I then Mailed them a letter requesting debt validation. I mailed it certified to the "attorney" and to two different addresses for Applied card bank. The attorney called my husband today and told him that they are sending this to court. That our alloted time to request verification has "expired" and they do not have to provide me with any proof. What should I do now? My letter was as follows:

To: attorney
address

CC: Applied bank
address #1

CC: applied bank
address #2

re: husband's name
address

Account #:

To whom it may concern:

This is a written request for validation of the debt referred to in your recent letter. The Federal Trade Commission, in 15 U.SC. 1692g, requireds that debt collectors cease collection of a debt until verification of that debt is mailed to consumers.

Please provide this information in writing via U.S. mail at the address listed above.

Sincerely,