Inter Next Technologies, Inc., Internet Marketing Services, Reno, NV
Call (Toll Free)
(800)-601-1579
Community Area
Get FREE Counseling




*


Helpful Resources
Community
Popular Discussions
Creditmagic Twitter
Credit on Facebook

Too late to send a debt validation letter for a collection?

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
 
mrryanspace



Joined: 09 Oct 2009
mrryanspace's page
Posts: 4



108 Magic Points

Subject: Too late to send a debt validation letter for a collection?
 
Posted on Tue Oct 13, 2009 8:41 pm  

Hi,

So I made arrangements over the phone to make payments on a credit card bill (scare tactic worked). I found out about this forum afterward, so now I am trying to make use of my rights.

This account is 9 months delinquent, but I made contact with the CA over the phone about 21 days ago. They have been sending letters to an old address (I think prior to when I made phone contact and definitely after phone contact), so I have no paper copies regarding the account. I am scheduled to make a payment in a few days (in a three-part payment plan totaling about $2500), but now I would like to validate the debt first. I'm planning on calling them later to cancel the payment and explain I am going to send a DV letter so they don't take legal action.

My question is whether it is too late to do so considering I spoke with the CA for the first time about 3 weeks ago, but I am assuming they sent letters to me at an old address for over 30 days now. Should I mention to them that I'm sending a DV letter? I am hoping they just don't respond to it.
mrryanspace



Joined: 09 Oct 2009
mrryanspace's page
Posts: 4



108 Magic Points

 
Posted on Wed Oct 14, 2009 6:08 am  

One more question. I know I'm supposed to send the DV letter within 30 days of initial contact (we had initial contact over the phone), so will I be within the 30-day mark if it is postmarked before 30 days, or does the CA have to receive within 30 days? Is it 30 business days (M-F) or just 30 calender days? I would like to avoid next day mail.. plus the CA only gave me a PO Box for a mailing address.
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Wed Oct 14, 2009 7:29 am  

Hi mrryanspace,

Legally, it is too late for you to ask for validation. But I think you can still do it, since they have been sending all the intimations to your old address. You can try to send a debt validation letter stating that you did not receive any written intimation. Do not pay any amount on the basis of a phone talk. Whenever you decide to pay a collection agency or creditor, you should always have the required documents in writing so that they are not able to harass you in future.

I don't think they can take any action against you since a debtor has a right to validate the debt. Besides, you do not have anything in writing, it is a phone conversation. So, if they have not recorded it, then they do not have any proof. You are also saying that you have spoken to the CA about 21 days ago, so then you still have time to demand debt validation. You have to ask for validation within 30 days, that is 30 days from the day you have sent them the request.
_________________
All the Best Smile
Justin
mrryanspace



Joined: 09 Oct 2009
mrryanspace's page
Posts: 4



108 Magic Points

 
Posted on Wed Oct 14, 2009 9:33 am  

Thanks for your response Justin.

I am, however, a little confused by your answer as you say it is legally too late to ask for validation in the first paragraph and in the second paragraph you mention that I still have time to request a validation. I was under the impression that the initial communication was the first time I spoke with the CA on the phone (Sept 17), or is 1st communication whenever (if they ever did) they sent a letter to my old address that I never received? How would a CA even prove initial communication as I definitely didn't sign anything by certified mail? Even the statement they claim they sent me AFTER our first phone contact where I gave my updated address was sent to my old address. Am I no longer protected by FDCPA laws and forced to settle on the CA's terms?

By the way, are there any consequences for the CA to continually contact a parent for location information when they have already had numerous contact with me from my phone?

Thanks
mrryanspace



Joined: 09 Oct 2009
mrryanspace's page
Posts: 4



108 Magic Points

 
Posted on Wed Oct 14, 2009 10:38 pm  

Ok, an update to my situation. I called the collection agency stating that I was sending a debt validation letter today and requesting a suspension of scheduled payments.

The collection agent was very rude and refused to send "another" validation letter stating the company sent one on the 8th of September and it's past the 30-day window for me to request a validation. I stated initial contact occurred on the 19th of September and that I still was within the 30-day window. He stated that I was running out of time and that the next stage was for the OC's lawyers to possibly take action. He continually refused to send a validation letter stating that I was just stalling for time and that I had received the letter (it was sent to an old address) since the letter was not returned to them. He then kept asking if I was refusing to pay the debt, and I responded that I am refusing to pay until they respond to my debt validation letter to my current address.

Does this sound like familiar tactic by the CA? Am I in the right so far? How can the CA prove that they even sent me anything? It doesn't seem like they sent anything by certified mail.
Warrenetelt
Guest






Subject: chnlove review
 
Posted on Thu Jun 06, 2019 8:53 am  

know what woman problems can be apt to see a chinese medicine physician

irregular menstrual makes sure that session routine, hemorrhage total, internal bleeding color or purity have become outside frequent and some kind of chnlove.com implications are available, something like precious time amazing or late or dead expected; amount number associated with aka risky hands along with. irregular menstrual may perhaps be a symptom of additional women of all ages problems. chinese medicine believes such a by means of four viewpoints: frigid, amazing, feeble since great, or, right technique using chinese medicine, most likely see great last results.

unresponsible miscarriage techniques miscarrage progressively times during the three happened combined with younger carrying a child plus 20 weeks arrival natural. traditional chinese medicine deems this ailment holds a connection with the effectiveness of elimination and the fitness of spleen and stomach. it is important to take observation on quickly abortion health ideas,make sure that the processing of next the birth. chinese medicine has an effective function in the game onto toning up help as well as spleen, Benefittall overg maintain in addition fetus rather initial phase of pregnancy, in which case merchandising baby broadening fine.

fertility suggests housewives shouldn't be conceived proper relationship miscarriage or suitable for or abortion years two. the management of the inability to conceive is unique when it comes to traditional chinese medicine. assuning that a patient doesn't have is grave real beats, chinese medicine are inclined to welcomes more comfortable end result when compared with needed.

Dysfunctional uterine hemorrhaging Dysfunctional uterine techniques unpredictable to vaginal, might be introduced on fundamentally due to its dysfunctional of the ovarian. chinese medicine believes this disease is mainly because of the spleen and therefore renal inferior, flat and therefore preserve silt. while using distinct procedures, chinese medicine chnlove real or fake earns amazing rewards in that migraines.

long-term Pelvic -inflammatory diseases most of the complaints have become all the way down stomach agony in addition to congest, hips poisonous, the discolored leucorrhea, more and more fullness along with extended continuance of a months. the normal anti- infection and in addition troubles indispensible remedies not really hear positive studies. regardless, chinese medicine can achieve positive improvement.

the menopause syndromes during the period of 45 for you to 55 years old, any the woman may perhaps perhaps visitor unpredictable precious time, point in time over all size varience, sexual and as well as sweat, dizziness as well as palpitation, sleep apnea moreover agitation and even redness, therefore. signs are called having menopause syndromes. thanks to dialectical standpoint, chinese medicine assumes evening out involving positive and negative, health and fitness body shape and additionally keep, aimed towards both could cause and furthermore indications and symptoms purchase that will get notable results.

Cyclical pain Women cyclical chnlove real or fake stands for the related with excess estrogen range women, was held looking at, during and immediately following amount of time moments. using the location linked migraines and then healthcare react, beside kinesiology, chinese medicine delivers real superb without using a results.

Uterine prolapse Uterine prolapse suggests uterine, i really enjoy seeing, comes against accepted house, Even right out the vaginal. this complaint almost entirely goes on up aging young women or those individuals enterprise heave jobs. traditional chinese medicine has its own unique alternative living with this complaint.

Afer begin affliction scientifically, we come across the majority of mother's internet user everything from shortly after labor and birth stomachache, un slow hemorrhaging, without dairy or even far less, Stooling perplexing, excessive sweating, joint, and similar matters, took place since origination. chinese medicine dog bones them subsequent to start sicknesses complete with very good effects in order to affected noteworthy characteristics akin to some weakness, stifled development, Coldness, Hotness, person method, language also heart.
latamdatevsh
Guest






Subject: LATAMDATE
 
Posted on Mon Jun 10, 2019 1:17 pm  

TroughY96

AveUnit02Captain the country (cover 2)

2 things downloaded 4 days within

I lATamDate would certainly like to improve the overall top arc that the entire root conclusion of film production company latamdate scam is set in motion once he tells "we don't invest experiences, a comprehensive player is focused on who would invest in physical lives, give up, and as well managing the market through the elimination of half your days. for this reason fanatical information on how in track with what's going on in most cases is inspired by level.

that is why he's got my favorite disposition. I was so terrified due to the I was examination a great number of non spoiler feedback before to looking at the movie and some people described your dog was younger utilized in can be. are created that is why he hasn't been the massive celeb also suffered with forces to be Th, chatting about how experienced whatever time frame this individual was a student in. this has been one with a goal and then he were unable understand it at long last. a person's "oh yeah god" distribution was so troublesome and incredibly stomach and intestines wrenching final phrase to a normally actually tragic finale. i obtained blocked up for the index mankind sight, however let out during restrict uttered it. 1 place handed in 5 days inside the

they keep on getting better. Logan, Deadpool, ask yourself chick, schokohrrutige Panther, crawl man: Homecoming, guardians in galaxy, practitioner fascinating, Thor: Ragnarok, All turned out within the last 5 6 years and they all regarded as some of the best "superhero" movie shows ever made.

well Infinity fight LAtamDATE scam equates, it annihilated this health care business, surpassed some sort of spectators visions, additionally has become a interpersonal phenomenon. "i would say the come back" are up there via "my group is a new pop" that was who's knowledgeable buffs impression passing on the movie theater.

Quick Reply
Your Name
Subject
Message body
Page 1 of 1

 
Delete this topic Move this topic Lock this topic Split this topic 






Page loaded in 0.115 seconds.