i just have a? on writing a dv letter

Date: Wed, 09/27/2006 - 07:24

Submitted by anonymous
on Wed, 09/27/2006 - 07:24

Posts: 202330 Credits: [Donate]

Total Replies: 4

i just have a? on writing a dv letter.. im not sure who i should send it to..i put in a defense for a court hearing so it is now moved back a few weeks becasue i was not aware of how dv worked.it was originally sears im assuming bought by sherman/lnvn.. now being reperesented by W&A.. Do i send letter to W&A OR LNVN/SHERMAN? And also what do they need to send me if they they chose to validate?

mimi-It should say on your court papers who is trying to collect

mimi-It should say on your court papers who is trying to collect. You could send both of them one,if you want. Her are some samples of letters for you to look at http://www.debtconsolidationcare.com/books/sampleletter.pdf Be sure and send these certified,return receipt. Good luck :D Karen

lrhall41

Submitted by Bossy4455 on Wed, 09/27/2006 - 10:08

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Karen is right. Check your latest credit copy for the collection

Karen is right. Check your latest credit copy for the collection agency reporting there. You should find the details with your local county also. A debt validation letter should consist the full details that prove their authorization to collect the debt. The name of the credit company that they are collecting for and full details of the debt account needs to be put in writing. Please know more about this mentioned in the fdcpa.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

lrhall41

Submitted by Flying Cats on Wed, 09/27/2006 - 12:21

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thnx for all ur help i think i understand a lil more now.. just

thnx for all ur help i think i understand a lil more now.. just 1 more ?.. i did not have it validated when i 1st got teh letter because i did not know at teh time teh list of details they had to give and after readin up on it i figured maybe i should but teh 30 days has past . do i still have the right for a validation or is it too late for that now.. thast why i put in a defense for court because im not 100% sure if the amounts are right or not.. also this is from a debt buyer not teh original creditor

lrhall41

Submitted by on Wed, 09/27/2006 - 14:41

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mimi-even though the 30 days has passed,I would still send a dv

mimi-even though the 30 days has passed,I would still send a dv letter. And I would send it asap-since you have this court thing going on. I will tell you that,LVNV hasn't validated any of my requests. But you will have a copy of where you did attempt to have it validated. If you have enough time,wait about 30 days,and send a follow up letter,if they haven't validated. The more info you have,the better for you when you go to court.Hope this helps...Karen

lrhall41

Submitted by Bossy4455 on Wed, 09/27/2006 - 16:37

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