Has anyone else settled without going to court?
Date: Wed, 03/17/2010 - 14:34
I am confused when you say summons letter, have you or are you b
I am confused when you say summons letter, have you or are you being sued? Is there a docket number and if so did you check the courts to see if it's real?
If you have not and are not being sued, does the letter have a 30 day disclosure for you to dispute the debt? Does it also say it's from a debt collector at the bottom or anywhere else? If this is the first letter you got from them it should and if you still have less than 30 days, you should dispute with a debt validation letter and send it certified mail return receipt requested,,,,,format this to your needs and do not sign it, just print your name at the bottom. Lastly, what state are you in and do you know the last time a payment was made???????
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on September 30, 20027. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
Best Regards,
Your Signature
Your Name
It is unreal at how many lawsuits these companies are filing a d
It is unreal at how many lawsuits these companies are filing a day. I did a look up on the online court cases in several counties around Marietta and Hanna is filing 10 to 20 lawsuits almost daily. You just figure how many of these get default judgements and look at the easy money they are making. Make sure you answer your summons and don't just let them take your money.