Question on wording to JDB vs CA on WhyChat's template letter? Also generic MCM help with an issue.

[2021CR]

Hi all is the wording the same on this letter if it is a JDB (Midland Credit Management) if they have been writing and calling about charged off Synchrony and Charged off Cap One accounts? They are for a relative not me and they are charged off on his CR. I know MCM is a JDB but also know they pursue the court route but it isn't there yet for the person and we would like to nip it in the bud. The Synchronys are not on the CR any longer but the Cap One says "charged off as bad debt cancelled by credit grantor" and right now for him paying it all off or pay for delete with MCM is not an option but I would not pay MCM, of course. Is there another temp[ate that is just for JDB and is the "hand writing certified mail" thing still apply to write MCM? Thank  you!! 

 

https://whychat.me/ltrcaval.html

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[Why Chat]

When was their last ON TIME payment and what State are they in??

If your relative is beyond the statute of limitations for being sued then the letter should work.

 

I don't believe I suggested the "handwriting" thing for letters to JDBs--it is reserved for CRAs (Experian etc.)

[2021CR]

Hi! They are in the state of California. I  feel bad for them and they got behind due to a bad car accident and couldn't work and it snowballed. The accident was the other party's fault but sadly creditors do not care it seems and charged off quickly. The Cap One last good payment was February 2025. The other Synchrony are 11/2024 and 4/2024 but are not on the current CR. Not sure why. The CRA letter is good wording for the JDB? Also the handwriting isn't necessary which is good to know, thank you.