DV letter or "Return to Sender" ?

Date: Sat, 02/19/2011 - 07:18

Submitted by sued-in-GA
on Sat, 02/19/2011 - 07:18

Posts: 14 Credits: [Donate]

Total Replies: 2

This is for a 2 year old credit card account. It was sold to a CA and they mailed me the dunning letter. I was not sure of the real amount so I sent them a DV letter. It was then sold to another CA. Same thing, I again sent them a DV letter. Now I have an unopened letter that I "know" is from another bottom-feeder type CA but I don't want to have to spend another $5 for the DV letter postage with return receipt, etc.

My question is, if I write something like "Return to Sender" on the unopened letter and send it back via the post office, what will happen? Has anyone tried this? I don't think it's "illegal" to return unwanted mail.

you do not have to except any mail you don't want even registere

you do not have to except any mail you don't want even registered mail look up the FDCPA it will give you a list of all your rights and what CA's can and can't do http://www.fair-debt-collection.com/fair-debt-act.html

lrhall41

Submitted by snoopy on Sat, 02/19/2011 - 17:12

( Posts: 8 | Credits: )

Unfortunately this is a typical CA tactic..they get a DV letter

Unfortunately this is a typical CA tactic..they get a DV letter and they sell it off since they don't want to mess with it. Are you sure this account has been sold? 2 years seems a bit young to sell off an account and credit card companies have been known to sue.

You should check your credit reports and see who is reporting...it COULD be that whoever owns the debt is simply farming it out to various collection agencies. If this is the case then go right for them....send a DV letter to whoever is reporting the account.

You should not send the letter back to the sender....you could hang on to it for a bit and research it...see who owns the debt and go from there. Basically if you ignore the letter the account will likely end up on your credit report THEN you could attack it with debt validation letters....but you will be out of the 30 day window....you would have to challenge the listing on your credit reports since there is no time limit to do that.

lrhall41

Submitted by goldenbast on Sat, 02/19/2011 - 20:01

( Posts: 2884 | Credits: )