Debt Collector?

I was first contacted by a debt collector by mail in late March to which I responded to on April 9th, disputing the debt and asking for verification. I did not send this certified mail because I did not know better. I did not hear anything back from the debt collector and assumed it was closed. However, I received another letter from a different collection agency in mid July to which I responded in the same fashion since it seemed to work before but again I did not send the letter through certified mail. I did however respond to them though within the 30 days of receiving their letter. I did not hear anything back and assumed it was closed. When I checked my credit score today and found out it dropped significantly I obtained a copy of my credit report and on there it has my account with the debt collector that contacted me in July as 120 days delinquent. Can I still dispute this debt or since I did not send the letter through certified mail am I out of luck? Thanks for any help

Answer:
Yes you can.let me explain how the game is played.

Once a collection agent gets your debt, they must, by law, send you a notice of their intent to collect the debt. They are placed on a 30 day "stay" which means they can not take any collection action for 30 days.. During that time you have the right to dispute the debt. If they receive it, they must "validate" the debt before they can proceed with collections.

As you guessed, since you can not prove you protested the debt, there isn't much you can do about their violation. They will simply say they were not notified of your protest.

What you need to do now is refile your dispute. Send dispute letters to the credit bureaus, and also send a demand for validation letter to the collection agency.

The collector has 30 days to validate this debt, or remove the debt from your credit report. Failure to do so violates the FCRA and he can be sued for $1000 in small claims court.

See the links below for sample letters and info.

And remember.Certified mail/return receipt!
You can dispute this debt through Trans union,by sending them a letter stating that you did in fact send out letters responding to their requests.Be sure to be nice the first letter,but firm!
yes, dispute it. Good luck!!
You should of contacting all three credit bureaus and explain to them what happened in a firm and nice way and do not forget to follow up with them as well. Good Luck!!
Many of us have experience with "Debt" at some point in our life. If you start thinking how to settle your Debt, you are on the right track. Think about the time when you will be free from debt. It is nice. Isn't it?

Some debt collection companies make annoying phone calls even at night and it would be nice to get rid of them. It is possible to get rid of them. Visit following site to learn about "Debt Guide".

http://www.makemoneyexpert.com/debtguide.

The answers post by the user, for information only, BAnswer.com does not guarantee the right.

Other Questions and Answers:
  • How many points does a credit score drop when you file bankruptcy?
  • My FICO score is 397. Is there any unsecured loan I can get to help pay off debts?
  • i have a credit card that reports 2 only 1 credit bureau how can i get it on the other 2?
  • i need £4500 cash by 3 0 clock today please can someone help?
  • How does co-signing effect your credit score? is it just as risky as you applying for it ..?
  • Will getting married affect my credit?
  • Credit report?
  • how does a person opt out of preaproved credit card aplications?