Strategy:
- Send a debt validation letter to Collection Agencies.
They must provide the following:
- Proof that the collection company owns the debt/or has
been assigned the debt. (Joe N. is legally entitled to collect this
particular debt from you.)
- Complete payment history, starting with the original
creditor. (You need to have proof of your payment history with Joe S.,
what the amount of the debt was when Joe S. assigned the debt to Joe N.,
and what fees/interest Joe N. has tacked on to this debt and how he
determined these fees.)
- Copy of original signed loan agreement, credit card
application. (Your contract with Joe S. establishing the debt between
you.)
[X] (complete 2004_06_18) Contact Direct Loans and get
Citicorp/Citibank payoff information from 08/2001
[X] (Sent 2004_06_18) Send letter to Experian to change
personal information.
[X] (Sent 2004_06_18 Certified Mail) Send Debt
verification letter to MCM |