Yes, if you have the returned letter showing that the creditor or the collection agency has not accepted the debt validation letter, you can send a copy of the same to the bureaus by certified mail along with a dispute letter asking them to remove the listing. You can find sample dispute letter if you visit the link letters of credit _________________ SCOTT
Use your credit account responsibly and enjoy a debt free life.
Wed Aug 06, 2014 5:27 am
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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.