Weltman, Weinberg & Reis

Ask him to send a Debt Validation letter via certified mail with a return request. Let the CA validate the debt. This will give your boy friend some time to manage the funds. Remember that the CA doesn't have a particular time frame to validate the debt.

But, if the CA validate the debt, send them a Cease and Desist letter stating not to contact you anymore for the debt since they have not validate the debt.

Thank you for your help, Should we be affraid of them, and in your second part you said to send a C&D letter, do we do this even though they validated the debt, and does it make a difference if they are a law firm?

If they validate the debt, then you should make payment arrangements with them. The very word 'law firm' should not make any difference.

I will have him follow up wit the Validation letter. I just hope they can handle 300 a month. From what I have looked up they are not very nice. Thank you for your help and I will follow up.

Well they just left a VM, telling my boyfriend has to call them back today. If their letter states he has 30days to disput doesnt that give him 30 days to get his letter to them. I know I am nervous about this, I really dont have the energy for them. Been sick. Should he call them or should we just get out Validation letter out?

Thank you

If he knows he owes the debt, why are you validating? Are you unsure that this CA is legitimately collecting on the debt? Are you disputing the amount they say he owes? If you know you owe the debt and that the amount is correct and you're sure this company/lawfirm/CA is legitimately collecting on behalf of the OC, then just call them back and make payment arrangements.


And yes, you have 30 days to dispute the debt but collection efforts do not stop during that 30 day period.

Your bf should send them a debt validation letter via certified mail with a request for return receipt. No need to call them up. Let them validate the debt.

I am really sorry for asking so many questions on something that I should be able to understand, but Paulcahill80 you are saying he should send out the debt validation letter even though he owes the money? I am just nervous cause they are a law firm.

Thank you for your understanding here

They're a collection agency. Don't let the name intimidate you. Does your boyfriend owe the money? Is the amount correct?

Jasgal, I can tell you from my experience that this CA is not a plain law firm. They are very shady. They have many complaints against them. So, ask your boy friend to send the validation letter as told by Paul Cahill. There are various CAs in the US who use the word 'law firm' in their name to mislead the customers.

OhioGal1, yes he owes it and the amount includes late fees and stuff , so I guess yes to that too. He wants to pay but we can only afford 300 a month possible more. I am worried if we tell them 300 a month they will not accept that. I just want them paid. My BF has lost his house due to the housing issues and he is the sole provider for his son, so he is not rich and is trying his best. In no way does he want to get out of paying his bills.

Oh one more thing, is it wrong to just mail them a letter asking to accept payments? Just wondering, my BF has a real hard time talking to these people... He may end up messing things up for himself.

If you're sure the amount is correct and that he owes it, I'd skip the validation, personally. You can send it if you like but, here's what I would do:

I would send a settlement offer letter instead. I would acknowledge only that you are responding to their calls and that you would like to settle this debt for $1500. You propose to make payments of $300 for 5 consecutive months, with the first payment being made within 10 business days after you receive their signed agreement. Once all payments are made, the account will be considered paid in full and they will be required to send you a PIF letter. I would also ask them, if they are agreeable to your settlement offer, to sign and return the letter to you.

Ohiogal1: I sent the DV cause the amount seems a little high and want to make sure, but once I go through the amount I would like to settle on the balance. They received the DV by fedex signature required on 10/13, Have not heard anything back since then. A little nervous since they seem to be so shady with others. I also faxed and emailed copies of the letter with proof from fedex it was received. Are they held to a timeline to get the information to me? I am starting to save as much as I can so if I hear from them I will a up front payment....

Thank you for all your help here. And I am sorry for being so nervous.

Well my nerves are killing me, not sure what to do. They got the DV on 10/13 and so far nothing has come back from them. Any wise advise on what I should do right now? I know they can try to act like they never got the DV

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I sent it requesting signature too, so yes I have proof. I am really only concerned with the amount owed.. And thats what I was wanting. I am just wondering should I attempt at sending it out again, and yes I was within the 30 days.

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Thank you for all your support here. In no way am I trying to get away without paying. I am going to breath deep, and I guess wait since the ball is in their court right now.

I sent them a DV in April and there has been no contact from them since. You may/should not hear from them again if they cannot properly validate the debt.

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