A few months ago, I received a dunning letter form a collection law firm. I requested a verification of the debt. I actually received responses this week.
Of interest is that in their letter they state that they will stop any litigation action against me until they have provided verification or a copy of judgment, if any. In addition, they state they will cease all collection actions on the alleged accounts until they have forwarded verification or a copy of judgment, if any.
They also include a paragraph that states I can feel free to initiate any communication with tem in an attemp tto work out a settlement with the original creditor. (This clearly hints at continued collection efforts.)
I'm guessing they thnk most folks are stupid and the statement "obtaining a judgment" will scare folks. It almost apears that the letter implies they can get a judgment against you or provide DV. WHile it is ture that they can move directly to suit without DV, the implication is that I would be stupid enough to contact them out of fear, and that they can get a judgment without me knowing about it. What a bunch of lunatics. LOL
They must assume I have no indication of how the legal process works in my state.
In addition, there must be some reason they sent me the letter acknowledging a receipt of my request for DV. I'm thinking that this particular creditor is not very quick at sending information to their CA's or collection law firms.
What do others think?
Of interest is that in their letter they state that they will stop any litigation action against me until they have provided verification or a copy of judgment, if any. In addition, they state they will cease all collection actions on the alleged accounts until they have forwarded verification or a copy of judgment, if any.
They also include a paragraph that states I can feel free to initiate any communication with tem in an attemp tto work out a settlement with the original creditor. (This clearly hints at continued collection efforts.)
I'm guessing they thnk most folks are stupid and the statement "obtaining a judgment" will scare folks. It almost apears that the letter implies they can get a judgment against you or provide DV. WHile it is ture that they can move directly to suit without DV, the implication is that I would be stupid enough to contact them out of fear, and that they can get a judgment without me knowing about it. What a bunch of lunatics. LOL
They must assume I have no indication of how the legal process works in my state.
In addition, there must be some reason they sent me the letter acknowledging a receipt of my request for DV. I'm thinking that this particular creditor is not very quick at sending information to their CA's or collection law firms.
What do others think?
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