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Debt validation letter: Sample letter to dispute your debt

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barbj
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Subject: Summons
 
Posted on Fri Jul 30, 2010 5:56 pm  

I need a sample of a debt dispute letter to send to an attorney on behalf aof a collection agency. They filed a summons in court but not once did the CA send me a letter.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: summons
 
Posted on Sat Jul 31, 2010 10:29 am  

Hi barbj,

You mean you did not receive any summons notice form the collection agency? If it is so, and if the judgment has been passed, you are required to file a motion to vacate the judgment.

However, you will get the dispute letter at http://www.creditmagic.org/repair/dispute-letter.html .

Hope this helps.

Regards,

Aaron
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Jase
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Subject: Verbal - SOL - Wireless provider
 
Posted on Sun Aug 01, 2010 7:58 am  

What is the SOL on a verbal contract for cell phone service in Washington State?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: SOL
 
Posted on Mon Aug 02, 2010 11:37 am  

Hi Jase,

The Statute of Limitations on a verbal or oral contract in Washington State is 3 years.

Thanks,

Aaron
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Helpfull..
Guest






Subject: Summons
 
Posted on Wed Aug 04, 2010 11:21 pm  

I recieved a summons from a company stating they were going to sue me for an old debt. I hadn't recieved anything from them prior to this. I Responded as such to the summons and attached a copy of a debt validation letter I had sent to them. I sent it signature required certified mail so i could make sure they recieved it. Two days after recieving that letter, they sent me court papers showing a settlement offer. I went to a lawyer with everthing and beat them to the tune of $1,500. Smile DOCUMENT EVERYTHING. Every phone call and what was said.
Thenders
Guest






Subject: agreement made with Pressler and Pressler
 
Posted on Tue Aug 10, 2010 5:39 pm  

I have made an agreement with Pressler and Pressler of 300.00 a month to pay them direct so that they wouldn't garnish my wages.
I have been paying them in accordance with my agreement.
However there are months where trying to get the 300.00 - is a lot for me. Im working two jobs.
My question is if there is a time that I cant afford to pay the 300.00 as agreed, is it automatically considered a default and then they will be able to garnish my wages?
Please advise any assitance would be appreciated at this time due to my lack of education on the subject matter I feel I am being taken advantage of
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: summons and garnishment
 
Posted on Wed Aug 11, 2010 10:34 am  

Hi Helpfull:

Good that you succeeded in stopping the company from actually suing you.

Thenders:

If the payment agreement with Pressler and Pressler mentions that they may garnish your account in case you default on your payments again, then they may be able to garnish your wage.

Thanks,

Aaron
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Marie
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Subject: Not on report...
 
Posted on Wed Aug 11, 2010 9:16 pm  

I had a capital one loan that went to "charge off" and I was contacted by a collection agency "John P. Frye". I've been making monthly payments to this company for over a year now and noticed that the collection agency is not on my credit report. How can I be assured that I should still pay them? Or do I even need to pay them anymore since it's not on my credit report?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: Not on report
 
Posted on Thu Aug 12, 2010 11:59 am  

Hi Marie,

You should have validated this debt before making the payments. It is also better to check the credit report, and inquire about the collection agency with the original creditor before making the payments.

Now you should talk to the original creditor about this? Also check the status of this account on your credit report. If you find that this collection agency is just a scam file complaints with the State's Attorney General, and the Federal Trade Commission.

Thanks,

Aaron
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johnnycash
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Subject: dam ca
 
Posted on Tue Aug 17, 2010 1:20 am  

i sent out a dv letter a good one from here to a ca I got a respond back but the only thing they sent me was a copy of the account information for my review pretty much a copy of a statement from adelphia which its now timewarner and a stamp on the papper saying federal law requires us to inform you that this is an attempt to collect a debt by a professional debt collection company, and any information obtained will be used for that purpose. so if someone can please help me what would be my next move they did not provide me with the inportant things i asked for insted i get a copy of the account statement
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: collection agency
 
Posted on Tue Aug 17, 2010 7:48 am  

Hi johnnycash,

You can send them a follow up debt validation letter through certified mail, requesting a return receipt. If they fail to validate the debt properly this time too directly dispute this item with thew credit bureaus.

Hope this helps.

Regards,

Aaron
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teal
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Posted on Thu Aug 19, 2010 11:06 am  

Within five days of its first communication to you, the debt collector is responsible for sending you a debt validation notice. This notice should be in writing letter letting you know you have the right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication.
JB
Guest






 
Posted on Thu Aug 19, 2010 11:15 pm  

Can a spouse request validation for his wife? Fantastic site!
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: debt validation
 
Posted on Fri Aug 20, 2010 9:44 am  

Hi JB,

I think you will have to transfer the power of attorney to your spouse for this.

Thanks,

Aaron
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dreams



Joined: 20 Aug 2010
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Posts: 1



25 Magic Points

Subject: debt validation
 
Posted on Fri Aug 20, 2010 4:34 pm  

I read where some of you got your cases dismissed in court because validation of debt was not proved. I was taken to court to confirm an arbitration where I had asked multiple times for debt validation. In court, I asked, again, for validation. Gamache & Myers stated that they didn't have it & had no paperwork at all. This is a supposed acct, that i paid off, from 1999 & was sued in 2009. Just found out today, online & I have NOT received any paperwork, where the judge awarded them the money in Dec. 2009.
I am now trying to see if I can appeal.
Anyone help?

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