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What day did you respond? This is a key piece of information you've left out. What was the postmark date on the letter's envelope? Do you use USPS Informed De
by torstenvl 8y ago
What day did you respond? This is a key piece of information you've left out.
What was the postmark date on the letter's envelope?
Do you use USPS Informed Delivery?
Had you spoken with them before receipt of the letter? Your thirty days under the FDCPA runs from first contact.
The first avenue I would try is the credit bureaus. Request that they validate the debt and inform them that you have disputed it. Be advised that the first request for debt validation is almost always treated in a cursory manner. You will probably need to request that they re-validate in order to gain any traction.
- hash872 8y agoI responded within a week of receiving the letter. I didn't notice the fake date on the letter initially, and threw out the envelope after opening- so it's lost forever. Yes, I of course used certified mail to respond to them. I had not spoken with them before the letter. I will of course try the credit bureaus, but in my experience everything takes 30-60 days to get an initial response etc. At the speed they move at, likely sinks my ability to buy a home this year. Hence my interest in a more aggressive tack