Re: How to avoid cc lawsuit! Help!!!!!
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Posted by Linda on November 06, 2001 at 20:48:36:
In Reply to: How to avoid cc lawsuit! Help!!!!! posted by J J Owens on November 06, 2001 at 16:59:22:
Not answering their collection letters is a mistake. Send them a letter, certified, return receipt, telling them you want proof that the debt is really yours. Don't talk to them on the phone, and keep your head down, but you need to exercise your rights under the law. It slows them down and often they will go away, just because they realize you know what to do. Having no assets helps, LOL, but they can still get a judgment against you, garnish pay, freeze bank accounts, ect. There are letter templates at http://mix6.com/credit all the way down the page. Send validation letter, wait for their response. Keep your receipt where they sign for it. If they don't respond, you are probably in good shape. Linda Linda
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