Internet's first get-out-of-debt community - 136,000 members

Posted: Wed Apr 30, 2008 8:20 am Subject: Debt validation letter

Anyone have one I can use?

I am in the middle of war with the PDLs... won a few battles and am fighting the others.... I am doing well.

A few of them marked my account paid in full for signing off that I wouldn't file complaints or pursue legal action. A few of them want just the principal I owe, which is cool and some want it all... so far its going well....the calls have stopped with my letters and they only contact me via email.

I want a debt validation letter to send to those fighting me. thanks everyone!

Posted: Wed Apr 30, 2008 8:22 am Subject:

HI-Are you dealing with the PDL's directly or a collection agency on their behalf? A collection agency is required to validate per the fdcpa...an original creditor is not required.

Posted: Wed Apr 30, 2008 8:25 am Subject:

I want it in my back pocket because 2 of the PDLS are threatening with collection agencies.

I am dealing with the PDLs directly and its working great. I am glad I didnt go with Langhorne, who has been calling weekly to get me to sign up even though I told them I am not interested.

Posted: Wed Apr 30, 2008 8:28 am Subject:

Just be careful - It's not a good idea overall to not file complaints against these companies. When you agree to not file a complaint, then the company gets away with what they did without the government knowing.

Plus, it's never a good idea to use complaints as a negotiation tool. It could be viewed as extortion if you tell a pdl that you won't file complaints if they do what you want.

Posted: Wed Apr 30, 2008 8:30 am Subject:

I am not telling them that - sorry for confusing. I had two PDLs ask me to sign a waiver that they would eat the money owed in return that I dont follow through with my complaints against them.