Gurstel Chargo Letter
Date: Mon, 10/01/2012 - 08:39
"Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days...this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office...this office will provide you with the name and address of the original creditor, if different from the current creditor."
The only reference to a CitiBank account on my Experian credit report is one that I paid satifactorily and closed myself in 2008. Do different credit reports have different information when it is something this significant? I would think a collection account would show up on all three.
I know there are several debt validation letters on this site. Which one would be the best for this situation? Any thoughts about how much information the may or may not have based on their letter?
Thanks!!
See, collectors may not report to all the 3 credit bureaus. You
See, collectors may not report to all the 3 credit bureaus. You may use the following sample debt validation letter:
http://www.debtconsolidationcare.com/settlement/writingaproperdv-disputeletter.html
MOD NOTE...added link for proper DV writing
sorry but
that is a crappy DV letter.dabarks you need to go to either soaplady's,or waffles signatures.there you will find a good DV letter to send.send it CMRRR as always.
Too Much Reading
Okay....now I am confused. I have been reading in this forum ALOT the last 2 days. In some posts it says that sending the debt validation letter speeds up the process of being sued. Other posts say send it right away. The debt is substantial ($25K) so I am sure they are coming after me but I have no idea how they arrived at this figure.
A validation letter won't really speed anything up. If you send
A validation letter won't really speed anything up. If you send them a DV and they file suit before they validate, then they have violated and you could countersue them. If the amounts are questionable then you really need to send a DV, because it is well known that unscrupulous collection agencies will tack un illegal fees and/or interest rates.
Many collectors claim that a validation letter is a stall tactic, but honestly it isn't because it doesn't stall a dang thing if the collection company has a legitimate account that they can easily validate.
Even if you know you owe on an account, it is always good to ask for validation because there are so many scam collection companies out there and in this day and age you really can't pay someone who comes along claiming you owe them money because they say so. :roll:
send the letter
arrow,and unifund are JDB piles of crap.DV this law firm again CMRRR.the fact that you are questioning this is enough reason to DV.do it asap.
