Debt validation letter

HI-Are you dealing with the PDL's directly or a collection agency on their behalf? A collection agency is required to validate per the fdcpa...an original creditor is not required.

I want it in my back pocket because 2 of the PDLS are threatening with collection agencies.

I am dealing with the PDLs directly and its working great. I am glad I didnt go with Langhorne, who has been calling weekly to get me to sign up even though I told them I am not interested.

Just be careful - It's not a good idea overall to not file complaints against these companies. When you agree to not file a complaint, then the company gets away with what they did without the government knowing.

Plus, it's never a good idea to use complaints as a negotiation tool. It could be viewed as extortion if you tell a pdl that you won't file complaints if they do what you want.

I am not telling them that - sorry for confusing. I had two PDLs ask me to sign a waiver that they would eat the money owed in return that I dont follow through with my complaints against them.

JCEMT has a great one, here's the link below. Good luck!
http://www.debtconsolidationcare.com/collection-agencies/better-structure.html

thanks!!

You would need to tailor tht letter to remove all implications of fdcpa if you are dealing with the original creditor.

thanks volleyballmom!