Re: follow up questions

Posted by LadynRed (199.91.33.254) on July 30, 2004 at 15:05:06:

In Reply to: follow up questions posted by ezz on July 29, 2004 at 19:09:33:

"Having not sent a certified letter before, I’m guessing I can get the form from the post office and it has a certified number already on it that I can use to fill this in?"

*** YES. The green and white certified mail form has a number on it, one goes on the letter, the other you keep.

"Re ; inquiry dated ____: your file # _____

I’m not certain what their file# is. The only unidentified numbers on the letter is an 8-digit number above her name where it was addressed and then it is repeated on a tear off payment form. I assume that would be it?"

*** Modify the letter to what's applicable, but yes, SCAMCO has assigned their own number to the account, so reference it.

"Under my State of ________Code #__________ the subject account has a "

*** Use AZ and the 3 year Statute on WhyChat's site. Credit cards are open-ended NOT written contracts.

"I have no idea what creditor name to use, the original or Camcos? And what comes after the is? Todays Date?
Records indicate that this date on the subject account #___________ with (creditor name) is __ ___ ____."

*** No, use the date of last activity, whatever it was oh so many years ago. Use the name of the ORIGINAL CREDITOR as that is where the SOL would start. Statutes are all on WhyChat's site.

"I also reserve the right to forward a copy of this letter,and any other pertinent material to the _____(CA lawyer's State) Bar Association."

** Use the AG for the state the CA is in, in this case SCAMCO is based in IL.

"It was also mentioned to me to opt-out on credit reports. What is that and how would it be done?"

** You know all those 'pre-approved' credit card offers you get or offers for 'services' and programs - lots of junk mail ?? The Credit bureaus SELL your information to their clients and others so they can send you crap ! Opting-OUT REMOVES your name from those lists so that they can no longer sell your info. CRA's also sell services to creditors and collection agencies that let them TRACK you and be alerted when things happen on your reports. Opting-OUT will stop them from selling your info for those 'services' too.

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