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Responding to a dunning letter

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Posts: 2
Credits: 106
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I received a dunning letter on a past due cc account from a CA. I want to settle this but I am unsure of how to go about this-do I send them a settlement letter in response to their dunning letter or try to call them first?




Shazzers


Posts: 17419
Credits: 159278.7

Sub: #1 Send them a debt validation first, make them prove they either o
Sun, 08/16/2009 - 12:23

Send them a debt validation first, make them prove they either own the debt or are legally allowed to collect it.




lilhar
Posts: 2
Credits: 106

Sub: #2 Hi Shazzers, thanks for the reply- so should i send a DV even th
Sun, 08/16/2009 - 16:23

Hi Shazzers, thanks for the reply- so should i send a DV even though I know it is mine-I called Chase and they said GC now has my account. I have heard that sending a DV might make them more inclined to sue. I have heard very bad things about this CA and want little communication as possible. Should I also do all communication in writing? Thanks!




Shazzers


Posts: 17419
Credits: 159278.7

Sub: #3 A debt validation letter is your right, you should make them pro
Sun, 08/16/2009 - 16:55

A debt validation letter is your right, you should make them prove this is your debt and they have the legal right to collect it. Doesn't matter whether the original creditor (Chase) verified the CA is collecting, you should still make them prove it. Once a debt validation is sent out (make sure you send it certified), all collection efforts must stop until they provide proper validation.




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Sub: #4 I really had a great experience with jm Adjustments the Rep was
Fri, 01/08/2010 - 21:01

I really had a great experience with jm Adjustments the Rep was so nice even offered their cell phone very cooperative and knowledgeable.




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