Click to verify BBB accreditation
A+ on BBB
Community Chat
Community Area
Search:

Helpful Resources


Community




Creditmagic Twitter





Credit on Facebook



HomeCredit ForumCredit repair

Debt validation letter: Sample letter to dispute your debt

 Post reply  Start a topic
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: debt validation
 
 Posted on Mon Aug 23, 2010 10:14 am  
Hi dreams,

Welcome to this community Smile

I am afraid nobody in this forum can help you in this problem. You will have to discuss this with an attorney.

Thanks,

Aaron
_________________
Keep in touch Smile
JPerry



Joined: 24 Jul 2010
JPerry's page
Posts: 28



581 Magic Points
Subject: Judgments
 
 Posted on Mon Aug 23, 2010 3:20 pm  
My wife has a CA trynig to sue her for a debt that we got removed from her report. She has responded to the summons and denied the debt as her's. The court date is the 1st of Sept. and in the paperwork sent by the court as evidence of from the CA, none contained a signed contract...just a printed bank statement and a copy of their purchase of the debt. How should she handle this in court?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: Judgments
 
 Posted on Tue Aug 24, 2010 8:02 am  
Hi Jperry,

Quote:
copy of their purchase of the debt
But this is validation proof. If there's the proof that the CA has bought the debt from the creditor then this proves that the debt is valid, and you will have to pay them. I think it is better to consult an attorney regarding such court matters.

Thanks,

Aaron
_________________
Keep in touch Smile
Ding
Guest
Subject: Im being summon
 
 Posted on Sun Aug 29, 2010 4:07 pm  
a guy came to my house and gave me my summon letter and I didn't sign any papers on this date August 25, 2010 and i later notice the summon was file July 30 2010. It said I have 20 days to respond. its been a week already, am I already late to respond. can someone help what to do or how to write the letter.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: summons
 
 Posted on Mon Aug 30, 2010 12:07 pm  
Hi,

I think you will have to consult a lawyer regarding this.

Thanks,

Aaron
_________________
Keep in touch Smile
Tyler
Guest
Subject: DV - No responce
 
 Posted on Tue Aug 31, 2010 9:41 pm  
I have sent out 6 DV letters over a month ago. Registered Mail with Return Receipts and I never received anything back. What would you suggest the next step to be? A follow up letter / Dispute with agency? Thanks in advance for the help!
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: no response
 
 Posted on Wed Sep 01, 2010 11:26 am  
Hi Tyler,

I think you can send follow up letters to the collection agencies. If you do not receive any answers this time too, dispute these debts with the credit bureaus.

Thanks,

Aaron
_________________
Keep in touch Smile
pab4103
Guest
Subject: old debt
 
 Posted on Fri Sep 03, 2010 3:32 am  
i have some debt showing on credit report that is over 10 yrs old. these debt collections companies keep buying the debt and changing the account #by one digit or the amounts. how can i get them to delete this from my report? any help accepted
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: old debt
 
 Posted on Fri Sep 03, 2010 8:05 am  
Hi pab,

I have answered to your query at ‎http://www.creditmagic.org/repair/removeold-debt.html#51880 .

If you need to know anything else, feel free to discuss in the forum.

Thanks,

Aaron
_________________
Keep in touch Smile
vfsalinas05



Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61



996 Magic Points
Subject: changing account number
 
 Posted on Sun Sep 05, 2010 5:17 pm  
Hi pab4103,

The same thing happened with my student loan accounts, it would be listed twice and there would be a number difference in the account number and balance. This was very confusing, but I made arrangements with my studen loan collection agency and they worked out a student loan rehab program and I managed to get it removed from my credit and this really helped me boost my score. It may take a lot of phone calls and persistence on our part but it is in our best interest to do it for our credit reports.

Good luck!
Claudia9885
Guest
Subject: Looking for answers.. please
 
 Posted on Tue Sep 14, 2010 8:54 pm  
Im trying to send a validation letter to a collection agency whose been reporting on my credit reports. The agencies never sent me any notification that they even have the debt. Is that fair? And if not, should I send a validation letter?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: collection agency
 
 Posted on Wed Sep 15, 2010 12:49 pm  
Hi Claudia,

This can happen. However, you should send the collection agency a debt validation letter through certified mail, requesting a return receipt.

Thanks,

Aaron
_________________
Keep in touch Smile
John1195
Guest
Subject: LVNV Funding Address
 
 Posted on Tue Oct 05, 2010 12:49 am  
I sent a Debt Validation Letter to a creditor, LVNV FUNDING LLC., to the address that was listed on my credit report:
PO Box 740281
Houston, TX 77274

I sent it by certified mail with return receipt. I got the letter returned to me because that address is no longer valid. I can't seem to find a current address for them. There are lots of them out there, but how do I know which one is real?
dh
Guest
Subject: DV letter
 
 Posted on Wed Oct 13, 2010 2:45 am  
Never sign your full name...
Just PRINT your name and initial, if you want.

"Ever hear of Photo-Shop"..? You may find your signature on documents that you don't or didn't know about..!

You'll notice most of the CA letters are usually not signed and some don't even contain a name.
Mr. What
Guest
Subject: test
 
 Posted on Thu Oct 14, 2010 2:13 am  
sorry - please ignore this one.

Quick Reply
Your Name
Subject
Message body
 Previous  1, 2, 3, ... 22, 23, 24, ... 27, 28, 29  Next  
Page 23 of 29

 





Home|Contact Us|Terms of Services|Privacy Policy|RSS
* Disclosures:
  • Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
  • Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
  • Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
  • Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
  • The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.
Page loaded in 21.184 seconds.