Difference between "unknown debt" letter and "DV" letter

[lilac]

I feels stupid asking this after being here all this time but in looking at the sample "unknown debt" letters they look to be the same as the "DV" letters? Am I missing something? I need to send the unknown debt letter to Asset for putting collections on my report but never contacting me about the alleged debt. Debt is past SOL.

[screwedbysears]

"I feels stupid"

 

You sound like the picture you have posted on your sig

Edited July 9, 2007 by screwedbysears

[screwedbysears]

I'll be like George a compassionate conservative.

 

If the debt is yours then don't send a unknown debt letter if it isn't yours then send this.

 

To whom it may concern

 

In regards to the above referenced account this is not my debt and 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 US Mail as it is inconvenient for me to receive phone calls at home or at work

 

Printed name only send Certified mail return receipt

 

 

If it is your debt send this

 

 

To whom it may concern

 

In regards to the above referenced account 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 US Mail as it is inconvenient for me to receive phone calls at home or at work

 

Printed name only send Certified mail return receipt

 

 

 

Put only the account number that appears on your credit report.

[lilac]

"I feels stupid"

 

You sound like the picture you have posted on your sig

 

Geez, I didn't even notice that and now it's too late to edit. I still say I'm not THAT stupid.

[LooGie]

"I feels stupid"

 

You sound like the picture you have posted on your sig

he's working hard to put food on his family....

 

[pryan67]

let's leave the politics out of this, ok?

 

 

as for the question...

 

an unknown debt letter is best used when you haven't received anything in writing from the CA...

 

 

a standard DV letter is for when you HAVE received a dunning letter from the CA

[lilac]

let's leave the politics out of this, ok?

 

 

as for the question...

 

an unknown debt letter is best used when you haven't received anything in writing from the CA...

 

 

a standard DV letter is for when you HAVE received a dunning letter from the CA

 

Here's an unknown debt letter I found in the sample letters thread.

 

sample letter

 

"basically a standard DV, containing ONLY the information from my CR (i.e. 1234XXXXX for account number, no SSN, etc)"

 

Greetings:

 

In a recent review of my credit report, I noticed that your company has placed an erroneous and derogatory entry, claiming that I owe you $XXX.00. I have no account with you, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error.

 

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from your compliance officer does not constitute a valid validation of this debt.

 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim.

 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .

 

I also hereby reserve my right to take private civil action against you to recover damages.

 

So are you saying the unknown debt letter is basically still a DV letter except you're not referencing a dunning letter? Is that the difference?

 

I'm thinking in my case I don't really want to include the stuff about civil action etc.. at this point. The main thing is to get these collection accounts off my reports.

[pryan67]

basically, that's the difference....you're making an important statement..."you've never communicated with me at all, so I'm still within the 30 days you morons"

[lilac]

basically, that's the difference....you're making an important statement..."you've never communicated with me at all, so I'm still within the 30 days you morons"

 

 

Maybe I'll just add that to the end of my letter.

[lilac]

let's leave the politics out of this, ok?

 

 

as for the question...

 

an unknown debt letter is best used when you haven't received anything in writing from the CA...

 

 

a standard DV letter is for when you HAVE received a dunning letter from the CA

 

 

What politics? Penny isn't running for office. However if she were that would be a perfect campaign photo what with the beautiful smile, shiny coat, tasteful jewelry, and the red background to set off her eyes.

Edited July 10, 2007 by lilac

[nickelnm]

Does a phone call count as contact?? I received a phone call from a debtor; that's it. Just a phone call and on my cell phone. I have already sent one unknown/DV letter and they still called me.

 

Any suggestions?

 

Its for a speeding ticket.

[pryan67]

yes...a phone call counts if you put a limited C&D in there...

 

also, if you were within the initial 30 days, that's continued collection activity

[screwedbysears]

a speeding may not fall under the FDCPA and there for they are not bound by the fdcpa.I hope I am wrong.

 

 

§ 803. Definitions [15 USC 1692a]

 

As used in this title --

 

((5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

 

 

I don't see a speeding ticket falling in to any of those categories.

 

But CA's are dumb in more was then one I got a defered payment on a court case deleted after sending a D/V and disputing it.or something like that it was long time ago