How do I write a debt validation letter? What needs to be included in it?

Ok, here's the story: Asset Acceptance sent a letter that I owe so and so for something I know I have NOTHING to do with. I sent a "validation letter" and received a reply letter in the mail today with pretty much the same info (but with my the last four digits of my social security number in the letter this time) they originally sent when they said I owed money for something I know I never purchased, and now they are collecting more money than from before. I am NOT paying this.. Whats the worst that can happen if I just ignore these people?

I need to know if Wisconsin has any regulations on pay day Loans primarily in extensions? Also how do I recieve an answer?

I am so glad I found this site! I just lost my job on 11/9. Man o man - $1900 for 3 different pdls. That is only the amount borrowed. This really sucks. I live in Wichita Falls, TX. I went CCCS (Consumer credit counseling Service) They were informative but I do not qualify for their services because my debt does not exceed the amount "required" (Funny isn't it) What they did say is that I need to make a decesion to STOP THE CYCLE. The lessor of 2 evils. From what I read on this site, it is pretty close to what has been going through my thoughts.

cashdoctors a IPDL calls me every day with threats and yelling an screaming at whoever answers the phone and today they called my job and I answered and said we coudn't get personal calls she asked who I was I said Patricia she then screem and aske d for my supervisor I hung up and she then left me a message on my home phone and another nasty message on my cell phone saying if I didn't contact them today they were going to send my laon info to some place called united legal services can they do that I have for in all payday select, payday avenue, pd6adventure, edollard, cash advance network al

Hi Gang, I'm going to throw this out there for some opinions and feedback. I think most of you know I have been working with a debt settlement company for several months now. I have enough money in my account to settle my smaller debts but nothing has happened yet. I understand it can take awhile to settle the first debt but I have been hearing this for a few months now. Now I have a law firm contacting me about a creditor that I have listed in the program. They were willing to settle with me for a lower total in two monthly payments. The guy was kind of a jerk on the phone.

Hey guys, i'm really glad i found this site!! I've been reading and i'm just suprised at how nice and helpful everyone is here! :) Well currently i'm on a really low income, i lost my previous job and I wasn't expecting it and I had 2 payday loans out. my question is with PAYDAY ok i'm only paying the interest fees but i was able to refinance the loan before. Well ohio's laws state i can't refinance so i was wondering if it would be wise to see if i can transfer what i paid in interest to what i owe for debt, i've paid like 300 dollars in interest fees and its a 500 dollar loan.

Okay i have a pdl thru route 66 and have been reshearching the company for a day now and i cannot find anything on them either. I am going to contact tele trax to see if they know anything about them. Also when you call the 800 # listen for the name of the company and i swear they will give you a different name on the greeting research that company also. My grip with the company is that they billed me 2 days early without telling me becasue of Veterans day. And now i have a huge amount of overdraft fees. When i called i got a guy that can speak english for all that did me.

I would like to find out how I can go about paying this loan off in full. Thank You

i took out a few payday loans and now i'm out of work on bedrest 9i'm six months pregnant). this people call me everyday, try to withdrawl outrageous amounts out of my account to the point i'm overdrafted 800 dollars.