Skip to main content

Debtconsolidationcare.com - the USA consumer forum

out of options?

Date: Thu, 07/02/2009 - 22:44

Submitted by anonymous
on Thu, 07/02/2009 - 22:44

Posts: 202330 Credits: [Donate]

Total Replies: 9


i have a 150$ debt on my EX file which I have been trying to validate since January, always by CMRR post. The CA keeps ignoring me and Experian investigated twice and verified the debt. I kept complaining again and again with EX and just got a final letter stating they will not write back to me again because the debt has been verified. They never sent me any information in detail, just stated the debt was verified. CA ignored yet another CMRR letter from me to validate the debt a couple of weeks ago. I had this reported more then a month ago to FTC. nothing from no one. what can I do? I simply don't know what to do any more.I spent so much money on CMRR letters to CA and EX.
any advice? thank you,'much appreciated.


You have nothing to do but to wait for the FTC to take their step. However, you are not liable to pay them unless you get the debt validated from them. I think you should send an intent to sue letter to the collection agency asking them either to validate the debt or you will move to the court.


lrhall41

Submitted by Carol79 on Fri, 07/03/2009 - 02:16

( Posts: 99 | Credits: )


is there any format for this type of letter online that si the best one to use..? thanks!
what happens if i send this intent to sue letter and they ignore me again? what do I do?
Should I sue Experian?
which type of information is Experian required to show me when they claim the debt was verified?

'appreciated!:)


lrhall41

Submitted by on Fri, 07/03/2009 - 03:35

( Posts: | Credits: )


it says:
This item was verified and updated on Jun 2009.
and:
Your Statement:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT.
Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).

but i just cant get a hold of anyone related to this account. simply do not know what to do. should i still send them intent to sue letter and base it on what in the argument?
thanks!


lrhall41

Submitted by on Fri, 07/03/2009 - 23:54

( Posts: | Credits: )


If the credit card co. writes off the debt, and it says so on your credit report, can a collection agent still try to collect it and do you have to pay them?


lrhall41

Submitted by on Sat, 07/04/2009 - 14:18

( Posts: | Credits: )