Can someone look over this DV letter to Rubin & Rothman before I send it out?

[itsallbs]

Rubin & Rothman LLC

Re: Account # xxxxxxx



Dear Sir/Madam,



I dispute your claims in their entirety and request validation as mentioned in
your letter dated mm dd, yyyy. More specifically, I hereby request that you
please send full validation as intended in accordance with the FDCPA. Should proof of this debt be unattainable and
forwarded, I will assume there your claim is invalid and will consider this
matter with your company closed and expect immediate removal of all notations
of this account.

In addition, phone calls are inconvenient at all times.



Sincerely,

[Em n EM]

I received your letter on month/date. I dispute your claims in their entirety and I hereby request that you
send full validation in accordance with the FDCPA. If I do not receive a complete validation within the next 14 days, I expect removal of this account from all Three major credit reporting agencies. If you cannot comply with my requests I will be forced to take legal action.

All correspondence shall be via mail.

[ICANHASMUNY?]

this is in response to what type of letter from R&R?

 

and who does R&R state they are collecting for - the original creditor or a junk debt buyer?

 

do you recognize the account, and if you don't, how do you know whether they've just sent it for someone else with a similar name?

 

is the account still within the SOL?

 

New York state has a borrowing statute - it's the lenders home state of incorporation that governs - ( DE= 3 year SOL )

 

all this information should be considered before you send out a DV.

 

and the DV should be tailored to that information.

 

std simple DV's don't always work the way you expect, and just lead to more letters and disputes.

 

specific responses and requests get better results.

 

if you can determine that the account is past the SOL a FOAD letter may be a better option.

[itsallbs]

Hi,

 

R&R are collecting for citi amex the OC.

 

It is still technically within the SOL.

 

I will try to be specific as possible however I also wanted to reply within the 30 day window. But I suppose that if I wrote something more specific than a cookie-cutter it would be more effective.

 

Thank you

[ICANHASMUNY?]

not sure which choice of law provision governs this - Citi is SD, Amex is NY, both are 6 year SOL,

 

with R & R representing an OC, a DV is likely to result in a lawsuit, they are attorneys in NY state and NJ.

 

can you settle this or make payment arrangements?

 

http://creditboards.com/forums/index.php?showtopic=926

[itsallbs]

Thanks ICANHASMUNY I will look into a payment arrangement and kudos for the link to the sample letter for the settlement

[itsallbs]

Some time has passed on now and I didn't get to offer a settlement. I'm being served I don't quite understand the entirety but from what I gather the document was filed 17 June and I'm only receiving it today? Help? I'll also check the HIBS forum

Edited July 3, 2013 by itsallbs