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pidgeynerd

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  1. So , withdraw the dispute with the credit card company first and then take it to small claims?
  2. I actually looked into this but the service was completed 4 months ago. My state only allows residential liens filed within 60 days after the completion of work. So it's over the time limit unless there is some workaround. If they lose the dispute with the credit card company, then the likely route is now a collection agency. I know the validation letter is the first thing you should respond with and I've never had to do anything more. However, what does a collection agency have to provide to move past a validation letter?
  3. I am concerned about the possibility of a lien as well. I haven't experienced one before. How does that typically work? Can they just do that? How could it lay out? Just trying to learn.
  4. It's around $1000. The landscape company is not sharing details on the warranty and has said they evaluate each situation case by case. In my particular case, they said that nothing is covered which has been very frustrating.
  5. Hi everyone - I've come here to seek advice on a situation that could escalate. Background: I had a landscape company install a tree in my yard this summer. Despite watering and proper care, the tree began to die within a couple weeks. It was further damaged when it started to lean because of improper installation, and the landscape company had to come back out and stake the tree. I did everything the landscape company said over the course of the next 4 months to save the tree. Ultimately it died and the merchant blames me for improper care. They very early started
  6. they are supposed to have procedures in place for stopping these robo letters once a FDCPA DV is received. Agreed, they may have just blown it with that letter. I can use this to sue them now right?
  7. I just called the collector and they said it was some auto generated letter. They know they are required to respond with validation and they said they may repsond shortly. They said that the debt is still marked internally as disputed.
  8. So I just received another letter from the collector but all it says is the debt is eligible to be reported to the credit bureaus and saying I should pay it. They didn't validate anything or say anything about my DV letter. What should I do now?
  9. Update: Hi everyone - I sent the validation letter in and confirmed they received it. I also have my return receipt as well. Now I just wait and see what they do. Thanks for all the help and advise you gave me!
  10. How is that different? Also in the validation letter I included something about reporting false information to the credit agencies and intent to sue if this negativity effects me.
  11. How would I find that out? The CC used was Visa. What happened when you called the bank that issued the card and told them that after finding in your favor on a charge-back this merchant sent you to a collection agency? They basically said they are not responsible for the actions of a Merchant. However I will give them a call back and see if I can get to someone willing to help. The person I talked to was not helpful at all. STAY OFF THE PHONE WITH THE CA you in Ohio ? you still have that dress that was damaged ? take a photo of it send it to the C
  12. Signing a letter mailed to CA is way different than signing a letter mailed to CRA. When dealing with CA never sign anything. PERIOD. sent from encrypted device +100. Live proven example of how important Validation vs. Verification happened to me personally and the results came in (TODAY-few minutes ago) Last month I mailed DV to CA for an account (that have been hurting the score of EQ - EX - TU for both me and my wife for over 9 months) Before I joined the CB in October 2016 I disputed this account and it came back VERIFIED with bla bla bla from both CA and CRA
  13. Signing a letter mailed to CA is way different than signing a letter mailed to CRA. When dealing with CA never sign anything. PERIOD. sent from encrypted device +100. Live proven example of how important Validation vs. Verification happened to me personally and the results came in (TODAY-few minutes ago) Last month I mailed DV to CA for an account (that have been hurting the score of EQ - EX - TU for both me and my wife for over 9 months) Before I joined the CB in October 2016 I disputed this account and it came back VERIFIED with bla bla bla from both CA and CRA
  14. How would I find that out? The CC used was Visa. What happened when you called the bank that issued the card and told them that after finding in your favor on a charge-back this merchant sent you to a collection agency? They basically said they are not responsible for the actions of a Merchant. However I will give them a call back and see if I can get to someone willing to help. The person I talked to was not helpful at all.
  15. Are you sure I shouldn't sign the DV letter? Every template I have seen is very similar to yours and they say to sign it. I just don't want to make sure I send it correctly. Edit: Never mind, I looked it up and saw that it doesn't bring any benefit. It just gives the CA the ability to lift it.
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