Re: texas attorney dunn letter

Posted by Paul (207.44.154.35) on March 06, 2004 at 22:29:11:

In Reply to: Re: texas attorney dunn letter posted by justfauxit on March 06, 2004 at 19:10:30:

No, don't send a validation letter. This attorney is working for the original creditor who obviously has the paperwork to sue you. Validation letters are dead giveaways of the debt elimination schemers and they'll think you are playing that game if you send one. That's MORE likely to get you sued. Just ignore them completely. They won't know if you are dead, in jail, or a chronic drunk. You don’t have to tell them you’re close to bankruptcy; they’ll check your credit report before they spend the money on a lawsuit.

If you do get sued, make yourself a major irritant and cost them dollars hoping that they’ll get tired of spending money on you.

Bob’s got a good point; they can’t garnish your wages or attach your homestead in Texas with a judgment so there’s less incentive to sue.

If it is a very small debt and you're actually sued on it, you may be tempted to settle for some percentage. If you do that, then make sure you get a deletion on your credit report so it doesn't show settled or else everyone will come out of the woodwork to sue you.

If everything fails and you lose a lawsuit, and you just want to be done with the whole thing, THEN file BK.

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