Re: What to do after 30 is up w/ VAL Letter?
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Posted by Linda (65.120.51.215) on April 09, 2003 at 10:36:55:
In Reply to: What to do after 30 is up w/ VAL Letter? posted by DDF on April 08, 2003 at 16:12:50:
If you sent the letter CRRR and they got it, but they do not send you proof that the debt is yours, then you dispute the debt with the CRA's, and wait to see if they verify it. If they do, you send them a letter that says, "you cannot prove this debt is mine, how can you verify it with the CRA? Would you like to get sued? Remove your entry on my credit report or face the consequences." To paraphrase, if they can't prove it they can't continue collection attempts, verifying the entry with the CRA is contuing collection attempts. Do not C&D them they can still sue you and win - of course they would have to prove in court that the debt is your, hehe. W&A does arbitration - definitely not in your best interests to go there, but others have survived it and gone on to win a lawsuit.
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