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 Posted: Wed Oct 10, 2007 7:16 am Subject: Debt Validation Letter
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Can one of these letters be sent to the original creditor (PDL) or do you have to wait until it goes to collections? Sorry if this seems like a stupid question I just don't understand all of this stuff.
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jazzy4136
Joined: 01 Aug 2007
Posts: 83
Debtcc Points: 2180
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Posted: Wed Oct 10, 2007 7:20 am Subject:
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The original creditor doesnt neccesarily have to "validate" the debt the same fashion a CA would according to fdcpa guidelines.
You can certainly send the pdl a letter asking them to validate or tell you how you owe a particular amount. The CA has to cease collection activity once you have issued a DV notice until they can validte the debt according to the FDCPA.
Its a good question...
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
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Posted: Wed Oct 10, 2007 7:27 am Subject:
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Can someone possibly send me a sample of a DV letter?
Thanks
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jazzy4136
Joined: 01 Aug 2007
Posts: 83
Debtcc Points: 2180
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Posted: Wed Oct 10, 2007 7:28 am Subject:
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I can PM you one...
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
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Posted: Wed Oct 10, 2007 7:34 am Subject:
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Thanks for your help
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jazzy4136
Joined: 01 Aug 2007
Posts: 83
Debtcc Points: 2180
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Posted: Wed Oct 10, 2007 7:46 am Subject:
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I thought that the debt validation only could be used on third party collectors- not the original creditor?
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Bossy4455
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Joined: 27 Feb 2006
Posts: 5441
Debtcc Points: 64120
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Posted: Wed Oct 10, 2007 7:49 am Subject:
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I mentioned that the original creditor doesnt have to validate a debt...however, jazzy can certainly ask the pdl how he/she owes a particular amount.
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volleyballmom
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Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
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Posted: Wed Oct 10, 2007 8:01 am Subject:
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I asked mine for one-some sent them-others not!
I asked for a statement showing how much had been paid, etc. I also asked the store front ones and they printed me out a statement..Karen
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Bossy4455
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Posted: Wed Oct 10, 2007 9:29 am Subject:
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Should I assume that if I use the DV letter as a model letter to the PDL that the Fair Debt Collection Practices and the violations listed should be removed?
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Guest
Debtcc Points: 100
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Posted: Wed Oct 10, 2007 9:32 am Subject:
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Actually if it is the original creditor- you won't need a DV letter. Just ask them to provid you with a statemnt showing all the payments you have made since the start.You know the amount borrowed, so take taht, with what they give you as being paid, and see if it is correct..Good Luck.KAren
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Bossy4455
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