Re: From last week

Posted by Nina (198.81.26.42) on August 02, 2004 at 03:49:25:

In Reply to: From last week posted by Checkmate on August 01, 2004 at 23:12:55:

What were u disputing? If it was the balance then you can do 1 of 3 things. #1 negotiate a lower amount to pay for the acct ask for what you want and see if u can get it . Always get a letter w agreement.( date due w amount) keep payments on time.After paying Always get a paid in full letter. #2 Get copies of ur CBR's and dispute them that way . they come w forms and what not. then the company has 30 days to come up w the proof to validate the acct. if nothing then the CBR has to delet the acct from your profile. IF they do provide the proof then still ask for what you want from the CA and refer back to #1 (letters and what not) #3 This is really a tip when u 1st get a letter frm a CA u have Rights. u have 30-45 days to dispute the validity of the debt. that means if u write them a letter sent cetified mail w return receipt stating what your dispute is then it is there responsiblity to show u proff why the acct is yours, also u can cll them and let them know what your dispute is,so they can make note to your file to get there process started in finding the proof IE: signature of contract monthly statements of past payments made on acct. Now if you miss the validation period it is up to you to show proof of your dispute and honestly most CA do not hve the payment history of your acct w the Orginal Creditor.So in that case again refer back to #1 But if push comes to shove and you really dont what to pay anything u could waite out the statue but u have to be cafeful of being sued , and that is a whole different ball game..Hope this helps good luck

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