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At least if I ignore them I get that little break here and there

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Posted on Fri Jul 18, 2008 12:10 pm  

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
fireyone



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Posted on Fri Jul 18, 2008 12:11 pm  

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
CMBV22

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Posted on Sat Jul 19, 2008 6:35 am  

I would also be nervous about any abrupt stops in calls w/o a FOAD letter. Although I can never figure out why ppl don't send one to every CA who calls.....
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fireyone



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Posted on Sat Jul 19, 2008 12:48 pm  

What is a FOAD letter. Not really good with abbrev..yet. I always thought contacting them with any type of letter would make them contact you even more. Any time I have tried to get rid of them they usually sold the account and it started all over again. At least if I ignore them I get that little break here and there.
goodnatured



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Posted on Sat Jul 19, 2008 10:52 pm  

Me either what is FOAD?
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fireyone



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Posted on Mon Jul 21, 2008 12:41 am  

I was hoping for an answer here. It really has my mind boggled.
goodnatured



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Posted on Mon Jul 21, 2008 3:06 am  

I am sure that some one will be along and answer soon
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CMBV22

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Posted on Mon Jul 21, 2008 6:09 pm  

LOL FOAD is short for F*@$ Off And Die,it is bascially a CND letter. Also, if anyone you send a FOAD, CND letter to continues to contact you, it is grounds for a harrassment suit.

Now, keep in mind that if they have a legit reason to contact you and you send them the FOAD letter, While they cannot contact you anymore they can still report to CRAs and possibly start a lawsuit.

This is why you will want to limit your FOAD letters to CAs past the SOL or who have been unable to validate debt
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Posted on Tue Jul 22, 2008 12:57 am  

I like that. I had to laugh myself. Boy you are really teaching goodnatured and I some things. Thanks
CMBV22

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Posted on Tue Jul 22, 2008 7:17 am  

LOL sure, anytime Smile
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Posted on Tue Jul 22, 2008 6:00 pm  

Hey good natured did ya read this one?
carol

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Posted on Wed Jul 23, 2008 6:17 am  

You can find a FOAD letter in this forum itself. I searched and found one. Here is the link http://www.creditmagic.org/repair/7years-old-collector.html .
FOAD letters can be used when a debt has crossed its SOL period and is no longer collectible but the CA still harass you for the debt. This letter is generally send to the CA to warn him that he is violating the FDCA act and you are likely to file a lawsuit against him if he continues disturbing you.
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Posted on Thu Jul 24, 2008 2:44 am  

Oh my god, I never would have thought that, LMAO, I wonder if the collectors read it like that, ha, ha.
fireyone



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Posted on Thu Jul 24, 2008 11:29 pm  

That is a really good example of of FOAD letter. Have to keep that one in mind.
goodnatured



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Posted on Sun Aug 10, 2008 5:42 am  

You are going to be able to find any letter you need here soon, building up quite a library.
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