Re: [tips_and_tricks] Stopping debt collection calls ans letters
- I've been helping my mother out with debt collectors. Here is what they
are doing, and I have 3 years worth of experience to prove it.
I write a certified letter to them (like it is from her and she signs
it) asking for detailed validation of the debt and proof of claim. I
inform them that if
they purchased the debt, they can only attempt to collect what they paid
for the debt.
I never hear again from the collectors I send this letter to, but
instead and within a month or two, she gets another 'first time' letter
from some other debt collector for the same debt.
It does on and on. I'll bet in the past 3 years, I have sent 12 or 13
dispute and request for validation letters for her and the same thing
keeps happening. I'm about to send two more, and I think I'm going to
add something new this time. I'm going to add that if they cannot
validate the debt, then I forbid them from selling or transferring it to
> A few things in your post need a bit of correction/clarification.
> You can inform a third party debt collector that you wish them to
> cease all
> communications (this must be done in writing) and then they can only tell
> you they will no longer make any attempts to collet OR that they are
> bringing legal action against you. Legal action cannot be brought by a
> third party debt collector unless they have purchased the debt.
> If they have purchased the alleged debt and you inform them to cease
> comunications their only choice is to quit or sue you. If you'd rather
> make those their only choices you can inform them in writing to cease all
> phones calls and keep all communications to a written form, then they can
> only send you letters, quit or sue you. They will usually continue to
> you letters.