Debt Validation Letter Question

[ricker]

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[Dilan]

from Expert Apex Credit Services, LLCDon wrote at 2008-06-11 02:52:47

My experiences with Resurgent Capital of South Carolina is that they will not do anything positive for you, even if you did give them money. Resurgent supervisors would sue their own grandmothers if they thought they might be able to squeeze a commission. I've found that the folks at resurgent don't care one bit about your well being. It would be one thing if they talked straight and you could trust what they say, or their jr lawyers, but I've experienced far too much deception with Resurgent Capital. They would like you to give them everything and in return give you nothing positive. Doesn't sound fair to most good people. My honest appraisal, I would recommend not doing any business with them. UK wrote at 2008-12-08 14:41:08

Always request verification/validation of debt after receiving the first notice of collection placement/validation notice(first collection bill).  Not doing so means the agency can proceed as if the account is correct, which can result in credit reporting and a possible lawsuit.   Do not send those pre-written "DV" Validation form letters that litter the internet as they have "I have no idea what I'm talking about" written all over them.   Simply write out a letter stating you would like the debt validated and that is sufficient to invoke your right to request verification/validation.  Also if you follow whats stated above and request they only communicate with you through mailed correspondence, aka "partial cease communication",  chances are they will cease communicating with you completely as there is no such thing as a "partial cease communication". Either you allow communication or you do not.