Communicating with Collectors
Date: Sun, 04/22/2007 - 23:14
I have a couple of credit card accounts in collections. My parents have recently offered to help me get out of debt, and would like me to send them written statements of my debt. How do I go about getting a written letter from the collectors about how much I owe?
go to the creditors directly and request a statement and try to
go to the creditors directly and request a statement and try to deal with them directly instead of the collection agency
The collectors should have sent you a statement (dunning letter)
The collectors should have sent you a statement (dunning letter) telling how much you owe, along with the name of the original creditor. I believe that they have 5 days after first contacting you to do this, or else they will be in violation of the law.
I would also send what's called a debt validation letter, meanin
I would also send what's called a debt validation letter, meaning that you are asking for an itemized accounting of your bills. You can find templates for this on the website. Collectors are required by law to respond to this request.