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Sample letter for collectors after 7 years

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diem



Joined: 20 Feb 2008
diem's page
Posts: 97



222 Magic Points
Subject: Sample letter for collectors after 7 years
 
 Posted on Wed Feb 20, 2008 6:53 pm  
Junk Debt Collector
Address
City, State Zip

Informed recipient
address
City, State Zip


MM/DD/YYYY

Certified Return Receipt Mail No.: _____________


Re: Your Inquiry dated ____: your file # _____


Mr. Scumbag :

I received a letter from your office on (DATE) over an alleged debt from (Year)with (Alleged Creditor/Utility Company). I have no knowlege about a past due amount owed to (Alleged Creditor/Utility Company).

Under (ENTER YOUR STATE) State Code the subject account has a (#)year limit for filing any legal action or collection.

The starting date of this statute of limitations being either, the date of the last mutual activity, or the date of first default with the ORIGINAL CREDITOR of the subject account. The ORIGINAL CREDITOR being VERIZON, which you stated in your dunning letter to me dated mm/dd/yyyy.

This notification is formal notice to you that any filing of such action by you, or your representatives or assigns, is therefore time-barred.

What you are attempting to do is clear, and continued collection activities, including reporting, verification or insertion of accounts, beyond their legal collection date, to any consumer credit reporting agency, may be considered extortion and/or fraud and subject to criminal as well as civil prosecution.

Please note that proof of your receipt of this notice may be used by me or my legal representative in further action.

Since this alleged debt is clearly past the legal time frame for continued collection activity, you will cease any further contact with me.

You are not to sell, transfer, assign, or share any information about me or this alleged debt with anyone else.


My name here

******** I have tons of letters. This is a FOAD letter. I raised my score from around 440 to 690 in a couple months. I totally cleaned my report by playing hardball.
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34560 Magic Points
 
 Posted on Thu Feb 21, 2008 9:58 am  
This is soo helpful. I hope people get across this. This will benefit many because there are people who need the samples to write letters.
_________________
Regards,
Laura.
 
Guest







 
 Posted on Thu Feb 21, 2008 1:45 pm  
Thanks Laura, you have very helpful posts as well. I have a briefcase full of letters I hope to post in one single thread eventually, pending approval from the mods.
 
diem



Joined: 20 Feb 2008
diem's page
Posts: 97



222 Magic Points
 
 Posted on Thu Feb 21, 2008 1:45 pm  
Thanks Laura, you have very helpful posts as well. I have a briefcase full of letters I hope to post in one single thread eventually, pending approval from the mods.
 
george mawhinney
Guest
Subject: collectors and amount of debt enquiry
 
 Posted on Tue Sep 16, 2008 11:19 am  
i am trying to get a sample letter to send to collectors and toask who they represent ie collecting for (as my collectors havechanged 3 or4 times recently)
and also if a company goes bust who should i pay after
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 348



9244 Magic Points
 
 Posted on Fri Sep 19, 2008 10:49 am  
Hi George Mawhinney
The best way to check whether your debt has been sold off to the collection agency or not is to send a debt validation letter to them. The CA must validate your debt within 30 days of receiving your letter else you need not pay them. However, if they can validate the debt, you should come to a repayment agreement to pay back the debt. Validating the debt means that the CA must prove that the debt has been sold to him. You can find sample debt validation letters in this forum itself. You can visit this link to get a DV letter. http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
_________________
Where there's a will, there's a way !!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4129 Magic Points
 
 Posted on Sun Sep 21, 2008 12:42 am  
mary, how about the ones who do not validate with in the 30 days or not at all and then still take you to court? Can you show the judge that you asked them to validate and they did not? What would happen from there/
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 506



12637 Magic Points
 
 Posted on Thu Sep 25, 2008 4:56 am  
Hi Fireyone
If the collection agency do not validate the debt within 30 days from the date of receipt of your letter, then it means that the CA does not have the proper authorization to collect your debt and so he could not validate it. Hence you are not liable for the debt to that collection agency. Even if they sue you to the court to bring judgment against you, the judgment will be in your favor only if you have written document in support of your claim that you have asked for debt validation. So you should always send debt validation letter by certified mail.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1093 Magic Points
 
 Posted on Fri Sep 26, 2008 12:30 am  
I agree, I send my validation letters certified mail, return receipt requested.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4129 Magic Points
 
 Posted on Fri Sep 26, 2008 4:11 pm  
That is good to know. With the ways debt collecotrs trample over peoples rights I wondered if there was a way they could get a way with not validating. I see now why it is important to ask for debt validation by certified ,mail. Thanks.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1093 Magic Points
 
 Posted on Sat Sep 27, 2008 3:44 am  
You got that right, they tramp and tramp and some don't stop until you are down right sick of them.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4129 Magic Points
 
 Posted on Sun Sep 28, 2008 4:36 pm  
I am just saying I think it is fair that if they don't validate or even refuse to and then still take you to court then they can n ot collect. Is it too late to validate the debt once they send you the summons? I knw this is part of your defense right? You would think you would still have the right to debt validation at any point even in court. Shouldn't that be the first thing the judge should look at before continuing with the haering.
Kind of like a tilte to the car. If I am suing you for a 2008 mustang and I don't have the tilte to it then I can't get it from you. So if they don't own the debt then they can not collect. I would think even when they go to file a summons they should have proof they own the debt before bothering someone.
 
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