ca waits till after 30 days have passed to sign green card

[access]

so i have an account that just went to collections. they sent me a letter stating I have 30 days to reply or debt will be considered valid.

sent them DV letter to buy some time 2 weeks before dead line. they didn't sign the green card till the day after dead line, now what.

I was hopping to make a deal with the OC before CA starts reporting to CRA

[Guest]

So... Let me just see if I have this straight:

 

1. CA sends you letter.

2. You send them DV letter, in return, 14 days into the 30-day window?

3. They send green card back to you, stamped.. the day after the 30 days from Item 1, in this list (CA sends you letter?)

 

If so.. If the date the green card says is within the 30 days, should be fine.

 

Actually, should be fine since you have the green card that says they received your DV... Sounds like no problem here on this.

[BDK]

When does USPS say the date for 1st attempted delivery was, within the 30-days?

[access]

i didn't check with usps .

certified mail receipt stamped jan 8 2013

green card returned stamped jan 22 2013

cut off date from ca jan 21 2013

[breeze]

Print up the receipt date and put it in the paper file you are going to be keeping to trap them with their own tricks.

[access]

have receipt saved. i was hopping to negotiate with oc before ca have the chance to report on to cra's. will they do that?

[breeze]

Yeah, spell it out and send copies of their trickery. Might just work, nothing to lose.

[Guest]

i didn't check with usps .

certified mail receipt stamped jan 8 2013

green card returned stamped jan 22 2013

cut off date from ca jan 21 2013

 

I bolded that last one.. OP (access, that's you, "Original Poster," CB shorthand,) I do not think there is a quote-unquote "CA cut-off date" in this scenario. *edit: I actually have never heard of such a thing.

 

The CA likely simply put that in the letter, as a tactic.. You wrote them a DV (Debt Vaildation) letter, and they received it. AND you wrote and sent that letter within 30 days.. There isn't anything wrong here.

 

If I am wrong, pros, please let me know.. but I think OP (that's you, "access") has any issue here?

 

If they don't respond to his/her letter, then isn't that grounds for removal from the CRA?

Edited January 30, 2013 by rslifkin

[BDK]

i didn't check with usps .

certified mail receipt stamped jan 8 2013

green card returned stamped jan 22 2013

cut off date from ca jan 21 2013

 

The CA could TRY to say that you didn't respond within the 30 days, but with the CMR stamped 13 days before "cut-off" no judge would accept their argument IMHO. Obviously, you did.

[TCBNow]

Track the certified mail and see when usps says it arrived.

 

Also, I think if you pay the OC, the CA can't report it as PAID because you didn't pay THEM.

 

Not sure about the process but I think I've read that people paid the OC(make sure you get receipt) then disputed the item with the CRAs.

 

Search this forum and look for paying the OC instead of CA.

[ryox82]

TCBNow....in my experience this is true. In fact, I had a dispute about gap coverage with Honda Financial...there was 800 and change left on the account that I refused to pay out of principal. Fast forward a couple years and I wanted to get rid of it. I worked it out with them directly that if I paid it in full, that it would report paid, and the collections would be removed. That is what happened. Im not sure that this would always apply, but it is possible.

[TCBNow]

Looks like a hot topic...paying the OC and CA having to delete.

 

Here is a thread discussing:

http://creditboards.com/forums/index.php?showtopic=496589

 

Breeze...any insight?

[ICANHASMUNY?]

Looks like a hot topic...paying the OC and CA having to delete.

 

Here is a thread discussing:

http://creditboards.com/forums/index.php?showtopic=496589

 

Breeze...any insight?

also this letter.

http://creditboards.com/forums/index.php?showtopic=496348

 

sometime it works, others not... ( worked for me...)

 

it's just one more letter in the arsenal - keep after them.

[nemo]

certified mail receipt stamped jan 8 2013

green card returned stamped jan 22 2013

cut off date from ca jan 21 2013

 

I actually had a discussion about this type of situation once with a postmaster who was knowledgeable about legal matters. He said the stamped receipt (from when you mailed the certified letter) proves everything you would ever legally need to prove. The green card is just extra evidence.

 

BUT, for that to be true, you need to have the ORIGINAL stamped receipt. Scanning it in, throwing it away, and printing out copies as needed will not work. So don't lose that receipt.

Edited January 31, 2013 by nemo