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Tricia
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Subject: Letter of Deletion AFTER it has been paid
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Thu Aug 13, 2009 10:10 pm
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| What would you professionals do if you have already paid the collection, but you didn't get it deleted when you paid it? Is there another approach I should use? |
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Ciao500
Joined: 14 Aug 2009
Ciao500's page
Posts: 7
121 Magic Points
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Subject: Debt Validation/Pay for Deletion Letters???
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Fri Aug 14, 2009 11:09 pm
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Hello Everyone,
I am new to the site (although I have been reading all the great advice for the past week or so). I have a question regarding the "Debt Validation" & "Pay for Delete" letters. Section 809 of the FDCPA explains the consumer's rights to demand that the CA requesting the information show proof that they actually own the debt. However, my understanding of this is that the DV can only be sent within the 30 day window upon initial receipt of the letter from the CA. Is this correct? Or can you send a DV letter even if
1.) You’ve received notices in the past and
2.) You've never made a single payment?
Also, in regards to the "Pay for Delete" letter (paragraph1), is it pretty much an unspoken rule that you deny the account up front?
What if you acknowledge the account but would still like to negotiate your payment, do you stil use this paragraph?
Any knowledgeable advice is much appreciated.
~Ciao500 |
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lynn
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Subject: request letter for reversal of interest
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Thu Aug 20, 2009 12:14 am
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| hi can you give sample of request letter for reversal of interest? |
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Ruchit
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Subject: Debt Collection
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Fri Aug 28, 2009 2:36 pm
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I wish I knew about these things earlier.
Couple of mnths ago I received a collection debt on my experian report.
The thing was, landlord asked me not to cancel the electricity and gas connection and she would take care of it.... She didnt and I came to know about that after 6 mnths (as I moved from there).
As soon as I came to know about it, I called them and paid in full using my credit card.
That was a mistake... a big one...
I should have sent a mail like this before paying in full. |
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Ciao500
Joined: 14 Aug 2009
Ciao500's page
Posts: 7
121 Magic Points
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Subject: Request letter for reversal of interest
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Fri Sep 11, 2009 9:32 pm
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| That would be nice. Thank You. |
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Mikey
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Subject: What retard wrote those letters?
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Mon Sep 21, 2009 7:24 am
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I guess my ingresh is a little rusty.
To that that may come here. This site is a scam created by a collection agent. |
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Cailly
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Subject: Exempt Income/deposits letter
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Fri Oct 30, 2009 10:07 pm
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| Do you have a letter to send to banks stating your deposits and hence funds in accounts are exempt? ( California, Social Security full Disability, Public emplyee/police officer industrial-disability, and child support) |
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Nita M
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Subject: Removing Disputes
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Wed Nov 11, 2009 5:25 pm
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| I am trying to get a house but we have disputes on our reports and the mortgage company will not process until we get those disputes removed. Do you have a sample letter for removing disputes from the credit reports? |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Wed Nov 11, 2009 5:33 pm
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Hi nita,
If you go to page one of this post. You will find a dispute letter listed on the very first post. You will have to modify it and include the information of who you are disputing with. Hope this helps |
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Kathleen
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Subject: Response letter for a summons
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Mon Nov 30, 2009 4:31 pm
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| Do you have any sample letters for a response to a court summons to acknowledge a debt and why you haven't paid it. |
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Chor Xiong
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Subject: Erase bad credit
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Sun Jan 24, 2010 9:39 pm
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I would like you to help me removed my bad credit from the last
four years. I already paid off all my debts but it stills not removed.
Please please please removed immediately so I can have a good
credit to support my family. I am thank you for the bottom
of my heart for removed this bad credit. Four years ago I have
problems paid my Xcel Energy bills so that was the only credit that
it go to the record. Please removed it, thank you very much. |
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soule72
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Subject: Sample agreement pay to delete letter
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Wed Jan 27, 2010 10:07 pm
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| I need a sample letter to send along with my pay for deletion letter so that the CA can just sign and return it rather than having to write it themselves. I cant seem to find one. any ideas? |
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moon3577
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Subject: removing bad debit after collection
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Mon Feb 01, 2010 9:15 pm
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| I paid off debt through collection company and now i want to have the derogotry remarks removed to show paid or up to date. The report shows paid, settlement for lesser amount. Can this be removed from the report? |
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Dan
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Subject: Help
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Wed Feb 03, 2010 11:14 pm
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| I have to write a letter explaining why my credit is not that good i order to get a secret clearance for a job I really need. I am having writer's block!!! |
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Sol
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Subject: Letter to Creditors regarding divorce
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Thu Feb 11, 2010 4:22 pm
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My ex husband has fallen behind on payments to the house we once shared. The loan is under both our names, but seeing as he was the one who wanted to keep the house, I quit claimed it to him per the divorce decree as he was also listed on their to be the sole person responsible for the payments. The banks do not recognize a divorce decree as I had originally signed the documents to make payment.
My question is, if I provide the creditors with a copy of my divorce decree indicating that their was a judgement that proves I'm not responsible for the payments, will that help restore my credit? My ex is going to let the house go into foreclosure and it has already impacted my credit. Please help. |
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