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Adam D
Joined: 09 Jan 2009
AdamD's page
Posts: 15
851 Magic Points
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Subject: Who to send verification letter to..
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Fri Jan 09, 2009 2:04 am
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I'm a bit confused. Do I send the "Letter of Verification" to the original creditor, collection agency, or the credit bureau.
I have some old accounts that I paid/settled a few years back and when I contact the original creditor they have no information. In some cases the CA isn't available or phone number given is not a valid number.
Thanks for any help.
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 686
17396 Magic Points
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Fri Jan 09, 2009 12:33 pm
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Hi Adam
Letter of validation is generally send either to the original creditor or the collection agency and not to the credit bureaus if you are not sure whether you actually owe the debt or not. However, you should always send a debt validation letter to the collection agency if the debt has been sold by the original creditor. After you send the debt validation letter to the CA or the OC, you need to wait for 30 days for their response. If they do not respond within this period, you can send a dispute letter to the bureaus. |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 446
10878 Magic Points
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Fri Jan 09, 2009 12:45 pm
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Even if you have paid off an old debt in full, it will reflect in your credit report for seven years from the date of your first delinquency. You can pull out your credit report and find out whether it is still listed in your report or not. if it is listed in your report as "paid" then its OK. If it is not listed in your report, then it must be removed from your report and there is no need to worry about it.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Sun Jan 11, 2009 4:40 am
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| Ok..I'm a bit 'fuzzy' on this ( I thought I underatood it, though). A Letter of Validation and a Letter of Verification: with BOTH letters, aren't you asking the same thing?..to Validate the debt? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Mon Jan 12, 2009 7:41 am
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Letter of Verification and letter of validation is not the same thing. If you ask the creditors or the collection agency to verify your debt, they may send you copies of the outstanding bills only. But if you ask the creditors to validate the debt, they must send you the documents in support of the proof that you owe the debt to them such as a copy of the original contract between you and the OC and the proof that the creditor has sold the debt to the CA in addition to the outstanding bills.
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Thu Mar 05, 2009 8:57 am
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If you didn't send the debt validation letter by certified mail, you should immediately send another letter by certified mail with return receipt. Certified mail acts as a proof that you have asked for debt validation in case the creditor fails to provide you with proper validation of the debt. If the creditor does not validate the debt within 30 days of receipt of your debt validation letter, you are no longer liable to them for the debt.
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All the Best 
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faedo
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Subject: letter of validation for OC
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Thu Nov 12, 2009 6:05 pm
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| where i can get a good exemplo of a letter of validation |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 594
99 Magic Points
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Thu Nov 12, 2009 7:55 pm
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Hi faedo,
Check on the side of your screen under helpful resources there are letters of credit listed there. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Thu Nov 12, 2009 11:45 pm
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| faedo, Hi and welcome. You can find it to the side as Debra mantion but if you do not think that one quite fits your needs then just type debt validation sample letter into your search engine and you will find millions. I did this recently and it was really easy to find, just took a little leg work. Good luck. |
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enobT
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Subject: validation of debt request.
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Thu Mar 18, 2010 5:16 pm
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| I work for a Law firm and we handle Debt Settlement , Our process is simple with a series of letter asking them to show the debt. VOD ,VODF,ect. This morning I recieved from Citi a letter that very clearly said that the original creditor is under no obligation to verify anything. That the collection department is responsible for this request .... So to sum it up Does the original credit have an obligation to show proof of debt or is that only after they sell the debt // Much appreciated any feed back on this .. ?? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: validation of debt
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Fri Mar 19, 2010 9:38 am
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Hi enobT,
When a debt gets sold off to a collection agency, the original creditor has no obligations as to provide any details regarding the debt. Thus, the original creditor has no obligation to provide a validation of debt as such. To get a proof of the validation of debt, the debtor needs to send a debt validation letter to the collection agency.
Hope this provides an answer to your question.
Thanks,
Aaron
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Irish
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Subject: Debt Validation Letters
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Fri Mar 26, 2010 7:29 pm
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Once you have sent the DV and request date of last activity.
Who would send this to you , if the OC is under no obligation,and the CA, cannot prove it.?
Are not the CA suppose to sedn this to you..And , if they don't b/c they can't..Are they not suppose to by law have it removed from your report and no longer collect. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: debt validation letter
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Tue Mar 30, 2010 11:22 am
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Hi Irish,
Yes, if the original creditor is under no obligation, the collection agency is required to validate the debt. However, if the collection agency fails to do so, and if you have the proof that you have sent the validation letters, you can dispute the item off your report.
Thanks,
Aaron
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Gracelin
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Subject: wOssYbVEPNSlM
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Wed Jul 06, 2011 4:35 am
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| I seacrhed a bunch of sites and this was the best. |
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hooher tod
Guest
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Subject: reader to RSS my feed
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Tue Sep 06, 2011 7:08 pm
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| Yes there should realize the reader to RSS my feed to RSS commentary, quite simply |
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