who owns my acct?
Date: Wed, 10/17/2007 - 22:23
Contact the original creditor and ask them to verify if they hav
Contact the original creditor and ask them to verify if they have retained ownership and the CA is merely managing the account. Also send a debt validation letter to the CA certified mail, return receipt requested. A good debt validation letter can be found here:
http://www.debtconsolidationcare.com/letters/sample6.html
If you have any further questions feel free to ask
Regards
JCEMT
Yes, please contact your original creditor. I'm very interested
Yes, please contact your original creditor. I'm very interested to see their response. I'm sorry you're getting the run around here. doesn't make sense that a rep of the collections you're dealing with can't give you details on your account. sounds kinda shady!
Call the original creditor, you're going to have to go through a
Call the original creditor, you're going to have to go through about 20 minutes on the phone from customer service up through the ranks. However, once you get to a certain point, you should be able to get the 'name of collection agency's' liason or contact within that company. Those are really the only people at the original creditor that have any authority to speak with you. ALWAYS deal with the original creditor's liason, you may be able to work out a better deal with them as they technically call the shots, this is particularly helpful for even charged off debts as they can still be implicated if there is an fdcpa suit filed. These are the same guys who can tell the CA to butt out and accept any number of a range of payment plans. E.G.: if the liason tells the CA to accept a dollar a week payment plan, the CA is bound by law to follow that to the 'T' and take the payment plan as is.