Hello, I sent a debt validation letter, but I paid for Certified Mail only. I'm wondering why I need to request the Return Receipt as well? I know it's nice to have, but it seems like Certified Mail is sufficient proof that I sent correspondence since it can be tracked to its destination.
If you are sending correspondence to a credit reporting agency then you want certified mail return receipt requested because the credit reporting agencies have a 30 day turn around time and you want proof of when they received it.
Collection agencies on the other hand does not have a required turn around time, plus I have heard people who said they send return receipt or certified mail, say that the item just never got claimed, I really don't see no reason for it with the collection agency to have return receipt, you might want certified mail, but you don't need a green card back. _________________ Credit Cards Credit Reporting Information Credit Repair Info
Tue Mar 30, 2010 3:37 am
Ok, I will probably just send by Certified Mail from now on. Just about every site says to send CMRR but adding RR adds over $3 per letter, and I never quite understood the point of having to have both items from the post office.
Subject: certified mail requesting a return receipt
Tue Mar 30, 2010 7:37 am
Certified mail provides you the proof that the letter has reached it's destination. On the other hand return receipt provides you the proof that the right person has received the letter. Later, if you face problem with the creditor or collection agency, you will be able to show these as the proof of your letters or payments. Return receipt will only strengthen your proof.
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.