Who do I address the validation letter to?

Send it to the Company, (certified mail, return receipt).

Give us some info about the debt:

Is it yours?
Who is the Original Creditor and the Collector?
What is the SOL status?
Where do you live?

It's recent and yes we do owe it. It's about $16,000 and we are 6 months behind. Capital One turned it over to Creditors Interchange. We can't even get through to C. One. Our phone calls go straight to Creditors I. We live in Alabama. We are trying to go through a dmp with CCCS. Our appointment isn't until Oct. 7th. I am hoping these letters will give us time until CCCS can help us. Creditors Interchange called our neighbor and told them everything and they have hit us with 6 inquiries on our credit report in one week. Now we can't even refinance our home because within a week we went from 610 to 540.

hiya Jen--

Address it simply to the collection agency, and then you can begin the letter with "To whom it may concern:". Also, if you need an address, there is a directory on this website of addresses for collection agencies. If you cannot find it here, you may have some luck at budhibbs.com, that guy seems to have just about every collector there is listed on his site.

As for the letters, the first thing I would do is send them a validation letter, and maybe include your C&D with it. Keep in mind that many CA's view a partial C&D as a total one, and therefore wont get back to you at all with anything either way. So, be careful there. A good suggestion here would be to send them the validation notice and state in that letter something like this:


It not only gets the point across without the whole muddy issue of a C&D, but it also sounds formal enough that it lets them know that they need to take you seriously.

I wouldnt worry about a removal of credit letter--there is a better way to attack that one, and the better way can also catch them in further violations, should they be the sort that doesnt care about following the law.

Creditors Interchange have a bunch of scumbags working there, they ignore the fdcpa and call and curse relatives, they call your neighbors and friends. Send them a DV letter along with a C&D letter by CMRRR.