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Help with DV letter to Midland


littlecredit
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I received a letter from Midland Credit Mgmt stating they are "the new owner" of xxx account and that MCM, "a debt collection company, is now the servicer of this obligation."

 

It lists OC, original acct. #, MCM acct # and current balance. It is mine.

 

I've read quite a bit and not sure if they technically have to send my anything else under the FDCPA, but will this work as a validation letter? Is there anything else I can/should do?

 

To whom it may concern:

 

In regard to the above referenced account, please be advised I dispute your claims and request full and complete validation per the Fair Debt Collection Practice Act and all applicable state laws.

 

I also request that all communications be by U.S. Mail, as it is inconvenient for me to receive phone calls at home or at work.

 

Sincerely,

 

________________ (no signature)

 

 

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I received a letter from Midland Credit Mgmt stating they are "the new owner" of xxx account and that MCM, "a debt collection company, is now the servicer of this obligation."

 

It lists OC, original acct. #, MCM acct # and current balance. It is mine.

 

I've read quite a bit and not sure if they technically have to send my anything else under the FDCPA, but will this work as a validation letter? Is there anything else I can/should do?

 

To whom it may concern:

 

In regard to the above referenced account, please be advised I dispute your claims and request full and complete validation per the Fair Debt Collection Practice Act and all applicable state laws.

 

I also request that all communications be by U.S. Mail, as it is inconvenient for me to receive phone calls at home or at work.

 

Sincerely,

 

________________ (no signature)

 

 

 

This looks good but personally, I'd remind them what a proper validation entails. I've used a variation of WhyChat's DV letter. It's worked for me a few times.

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I received a letter from Midland Credit Mgmt stating they are "the new owner" of xxx account and that MCM, "a debt collection company, is now the servicer of this obligation."

 

It lists OC, original acct. #, MCM acct # and current balance. It is mine.

 

I've read quite a bit and not sure if they technically have to send my anything else under the FDCPA, but will this work as a validation letter? Is there anything else I can/should do?

 

To whom it may concern:

 

In regard to the above referenced account, please be advised I dispute your claims and request full and complete validation per the Fair Debt Collection Practice Act and all applicable state laws.

 

I also request that all communications be by U.S. Mail, as it is inconvenient for me to receive phone calls at home or at work.

 

Sincerely,

 

________________ (no signature)

 

 

how long ago did you default on this, who's the OC and what state are you in?

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