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CA hasn't responded to DV but did send another letter

Date: Mon, 11/17/2008 - 14:54

Submitted by anonymous
on Mon, 11/17/2008 - 14:54

Posts: 202330 Credits: [Donate]

Total Replies: 9


Thats right, I DV'ed a CA within 30 days... actually like 2 days after receiving it.

Its been almost 30 days now and just the other day I received another letter from them asking for payment... like they had no clue I dv'ed them!

I did send my dv by CMRRR so I have proof they received it. I also included a C&D in my DV but since I sent it within 30 days they have to stop collection... but it doesn't seem like their doing that

What should I send them now?


who i this ignorant bottomfeeder?SOAPLADY is right.you just made 1,000.00.CHA-CHING$$$$$$.


lrhall41

Submitted by paulmergel on Mon, 11/17/2008 - 18:29

( Posts: 15514 | Credits: )


on the bottom right of the screen there is the ALSO SEE section.there are sample letters of everything discussed here.you should be able to find it there.


lrhall41

Submitted by paulmergel on Tue, 11/18/2008 - 06:32

( Posts: 15514 | Credits: )


ITS is intend to sue. Basically send them a letter telling them, hey guys, you violated fdcpa
???? 805. Communication in connection with debt collection
(c) CEASING COMMUNICATION. If a consumer notifies a
debt collector in writing that the consumer refuses to pay a
debt or that the consumer wishes the debt collector to cease
further communication with the consumer, the debt collector
shall not communicate further with the consumer with
respect to such debt,

and failure to validate and continued collection activities.

???? 809. Validation of debts
(b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the consumer
requests the name and address of the original credi-tor, the debt collector shall cease collection of the debt,
or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,
or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of
the original creditor, is mailed to the consumer by the debt
collector. Collection activities and communications that
do not otherwise violate this title may continue during
the 30-day period referred to in subsection (a) unless the
consumer has notified the debt collector in writing that the
debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with
the disclosure of the consumer????????s right to dispute the debt or
request the name and address of the original creditor.

Simply tell them under sec ???? 813. Civil liability, they now owe you $1000. Set a deadline....give them 14 days from the receipt of the letter to get you the check. Tell them failure to abide will result in you retaining an NACA attorney plus complaints will be filed with the FTC, your state and their state AG's office and the BBB. You must send in copies of your proof....copy of your C&D letter and request for validation, copy of the CMRRR showing that they signed for it plus a copy of violating dunning letter.


lrhall41

Submitted by SOAPLADY on Tue, 11/18/2008 - 06:47

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Does sending the ITS letter really work? Has anybody actually received money from a CA just by sending the letter, without actually suing them?

Do you have to send the ITS letter before you sue them?

Can sending the ITS letter backfire, prompting the CA to sue you when they might not have before?

Does filing a complaint with the FTC help?


lrhall41

Submitted by on Wed, 11/19/2008 - 12:30

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