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

l

[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. 

[ShawnPY1972]

On 6/2/2026 at 2:25 PM, 2021CR said:

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

l

 

I have used Chat GPT for most of my letter writing.  All you have to do is explain what you're trying to do and give it details about your situation and it will create the letter for you.  It's been absolutely amazing for me and my situation.

[Why Chat]

Using an on line system for responding to a JDB or to a CRA is a big mistake.  Handwritten of blue font snail mail doesn't wind up in an AI system.

 

A JDB can't file an action in any court system that would hold up to a written answer of requesting proof of the account and/or stating the suit is past the SOL

[2021CR]

Thank you. Why Chat, I have one additional question about your "LETTER TO COLLECTION AGENCY VALIDATION/DISPUTE/CEASE & DESIST" form, I'm not sure what the PD# stands for and what to put there? I've checked the letters from the JDB and none of them show a "PD#" specifically.

 

Also, if the JDB comes back with responses to the questionnaire in that letter, does that mean that the person does legally owe the debt and now has to pay once they respond? I know they don't because it's a JDB, but I haven't done this in a long time, what is the next step if they do come back with the answers to the questionnaire? If they don't answer within 30 days, should we send a cease and desist letter after that, and keep an eye on the CRs to make sure they don't put them on there?

 

Thank you!

Edited June 13 by 2021CR

[Why Chat]

https://whychat.me/GUIDEBOOK.html

 

PM not PD 

Here is how to send priority mail letters:

 

Go to the PO and get a dozen flat rate priority mail envelopes (6X10 is the easiest to use) You can either buy them prepaid with the postage ($7.35) or buy the priority mail stamps separately. Get a stack (they come in a book) of FREE USPS tracking forms. Whenever you send a letter, affix your copy of each receipt to the hard copy of the letter you have sent. You will, of course, be entering that PM tracking # in the heading of each letter.

[2021CR]

Okay so the standard JDB letter to MCM and no more certified mail to JDB? Haven't done this in a long time thought certified with handwritten letter and envelope was the way to go? So ask MCM to verify the debt via PM and then what if they do or don't? We don't want them to take it further for my relative bc it was changed off and sold to MCM and want to stop the harassing letters and calls from MCM since they are not the original debt. Thank you

[Why Chat]

California has a 4 year SOL. That means if the date of the last ON TIME payment to Synchrony or Cap One was LESS than 4 years ago they can be sued. The letters to the CAs may trigger a lawsuit if your relatives have assailable assets. 

[2021CR]

How are they going to validate it when they're not the original creditor? If my relative sends them the WhyChat letter for debt validation and they don't answer, we're good, but if they do answer, it's basically a lie because they're not the original creditor. But if the relative doesn't do something, from the information I've gathered on the internet for my relative, it looks like MCM just goes ahead and takes people to court and sues anyway and they'll have to pay it anyway when MCM is not the original creditor. It seems like a no win situation either way, because they shouldn't be able to validate it if they're not the original creditor. So what is the best step to take here, when the date of last payment is only 1 year ago? Thank you!

[dvd]

On 6/16/2026 at 7:35 PM, 2021CR said:

How are they going to validate it when they're not the original creditor? If my relative sends them the WhyChat letter for debt validation and they don't answer, we're good, but if they do answer, it's basically a lie because they're not the original creditor. But if the relative doesn't do something, from the information I've gathered on the internet for my relative, it looks like MCM just goes ahead and takes people to court and sues anyway and they'll have to pay it anyway when MCM is not the original creditor. It seems like a no win situation either way, because they shouldn't be able to validate it if they're not the original creditor. So what is the best step to take here, when the date of last payment is only 1 year ago? Thank you!

 

You don't have to be the original creditor to validate the debt.

[2021CR]

6 hours ago, dvd said:

 

You don't have to be the original creditor to validate the debt.

Thank you! I haven't been around here in years but did things change? I thought JDB didn't own it originally and you did not owe them the debt unless the original creditor hired them to collect the debt? And MCM is a well known JDB and no one really owes them but has that changed? I see they take people to court now over a purchased debt!? How is that possible I remember MCM and other JDB if you wrote they to validate and they don't reply or they reply a bogus letter with no account numbers or original agreement that it is done and gone? My question is for my relative What is the next step now then? No way are they going to pay MCM who is a JDB. The SOL is not over yet 3 years to go. 

[dvd]

16 hours ago, 2021CR said:

Thank you! I haven't been around here in years but did things change? I thought JDB didn't own it originally and you did not owe them the debt unless the original creditor hired them to collect the debt? And MCM is a well known JDB and no one really owes them but has that changed? I see they take people to court now over a purchased debt!? How is that possible I remember MCM and other JDB if you wrote they to validate and they don't reply or they reply a bogus letter with no account numbers or original agreement that it is done and gone? My question is for my relative What is the next step now then? No way are they going to pay MCM who is a JDB. The SOL is not over yet 3 years to go. 

 

There are two types of collections: 1) the original creditor assigns the debt for collection to an agency and 2) the original creditor sells the debt to a JDB. Either way you send a debt validation letter and they have to respond. 

The main issue with your relatives is they have this debt they need to figure out how to take care of before it gets worse. You can negociate a settlement and payment terms or file a BK. Leaving it alone and risking a lawsuit is only going to make things worse.

[2021CR]

Thank you. I just always thought that the JDB buys the debt and the person is not obligated to pay the JDB, Has this changed over the years? I will tell my relative to take care of it but not sure how to tell them how to proceed. Validation will just bring a letter from MCM that they own it, not the original signed agreement that my relative owes the JDB, MCM .

[centex]

On 6/23/2026 at 4:10 AM, 2021CR said:

Thank you. I just always thought that the JDB buys the debt and the person is not obligated to pay the JDB, Has this changed over the years? I will tell my relative to take care of it but not sure how to tell them how to proceed. Validation will just bring a letter from MCM that they own it, not the original signed agreement that my relative owes the JDB, MCM .

Every case is dependent upon the facts germane to THAT debt. A purchaser steps into the shoes of the original creditor.  In this day and age, most will also have the documentation necessary to satisfy a court in any manner of litigation. Until the debtor reaches out with an appropriately worded letter, one does not know what documents the purchaser may have in their possession.