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lifehackmom

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  1. Is this paper for a college class? You will need a good thesis. I had to write a research paper earlier this summer for college and I was also required to use non-internet sources for at least half of my citations. I am wondering if that applies in your case. Sent from my Moto G (5) Plus using Tapatalk
  2. I was able to get back in with Citi card and Chase after 10 years. Amex and Discover never went to a collection agency. I think they just wrote them off. Have not tried to reapply with them as I will probably be denied. Sent from my Moto G (5) Plus using Tapatalk
  3. The most recent letter had the 30 day statement to verify/dispute debt, etc. I sent out the cease/desist letter with certified mail return receipt. Thanks again for all the advice.
  4. Thank you everyone so much. I appreciate the help. I didn't get to the post office today which actually turned out to be good. USPS informed delivery shows another letter to arrive shortly. This will be interesting. I'll post it when I get it. Sent from my Moto G (5) Plus using Tapatalk
  5. I did not write nor would I write that in the actual letter. Since I've seen a lot of these collectors referred to as scumbags on this site, that is what i chose for this example Sorry to have "offended" you.
  6. That's definitely worse....... I'm still thankful for the opportunity to be back in school though. It's been quite the adjustment. I just want that degree.
  7. Thanks, that is exactly what I needed. tbh, I tend to get carried away lately. I'm doing all this boring, long, writing for college classes about stuff I could care less about and it's crossing over into stuff like this. Thanks again to you and everyone else. I appreciate the time and advice.
  8. I wrote in my 1st post that i wanted to help with a letter to respond to them. I found that letter that i had written back in 2003 and copied and pasted it on this site. I Probably got it off this site back then but I don't remember. I asked if it was ok and what should I change/add/delete. I didn't ask for a bunch of insulting comments. What the heck is a Richard anyway?
  9. Don't they have to print somewhere in the letter that you have 30 days to dispute the debt? I'm certainly no expert so I could be wrong.
  10. How this letter? Is there anything I should add/change/delete? Hello Scumbag collectorname, This letter is in response to your letter dated 9/25/2019 (copy enclosed), concerning the collection of the above referenced account. I do not believe I owe this alleged debt therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collections Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Att
  11. Thanks for the reply. I will go ahead and write that letter. I think some of it is in violation and it would be nice to make a quick buck off these people but I doubt that's going to happen. Here is the back of the letter https://www.flickr.com/photos/31276280@N07/48833950083/in/dateposted-public/ Anyone know why it won't let me put the link in when I click on "Insert image from URL). I'm allowed to paste it but when I click insert into post the whole field turns red and it doesn't get inserted.
  12. Hi Everyone, It's been a while since I've posted although I sometimes read from an app on my phone. This site has been invaluable to helping me clean up my credit and stay that way. I just opened yesterday a collection letter from A.R.A. They had called me last week and when I asked who they were as soon as they identified themselves, I lost cell service and the call was dropped. https://www.flickr.com/photos/31276280@N07/48830231176/in/dateposted-public/ I received this letter in the mail and I'm a bit freaked out they they gave me hardly any time
  13. Interesting because I just received a similar letter for alleged debt with them from many years ago. Sent from my Moto G (5) Plus using Tapatalk
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