Just Got a Collection Notice

[overspent]

Just got a notice from PRS:


IMPORTANT COLLECTION NOTICE
ACCOUNT # : XXXX PROFESSIONAL RECOVERY SERVICES INC.
RE : Your account with our client XXXX Bank P.O. BOX 1880
AMOUNT DUE : $ XXXX.XX VOORHEES NJ 08043
Dear XXXX, PHONE: (800) 373-9358
Please be advised that the account listed above has been referred to us

by the above creditor in the amount of $XXXX.71 representing the

balance due for services rendered and accepted.
Unless you notify this office within 30 days after receiving this

notice that you dispute the validity of this debt or any portion

thereof, this office will assume this debt is valid. If you notify this

office in writing within 30 days from receiving this notice, that you

dispute the validity of this debt or any portion thereof, this office

will obtain verification of the debt or obtain a copy of a judgment and

mail you a copy of such judgment or verification. If you request this

office in writing within 30 days after receiving this notice, this

office will provide you with the name and address of the original

creditor, if different from the current creditor.
Should you contact us in writing for verification of this debt, we will

cease further collection activity until we provide you with the

verification.
Very Truly Yours,
XXXXXXXX

Senior Claims Adjuster
This communication from a debt collector is an attempt to collect a

debt. Any information obtained will be used for that purpose.
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION


Should I take any action at this time ( see an attorney) or wait.

Thanks

[nodollarsnomo]

I got one from them back in September for my BOA. I DV'd them and have never heard from them again.

[nodollarsnomo]

oops! Looked through my paperwork, PRS no longer has my acct. It is now with Creditors Interchange. I also DV'd them, they have sent two notices that they received my DV and they want me to call them (not gonna happen).

[overspent]

What do you DV'd them? Sorry, first time got collection letter.

[overspent]

Should I send them a DV letter and mentioning filing chapter 13 sometime in the future? Maybe that will discourage them to go to the next step.

[maxwell18]

what is dv?

[pcn]

dv=debt verification
Those I sent dv letters to stopped calling. Several sent/sold the debt to other collectors, who I also sent DV letters. Some claim that sending a DV will accelerate the collector suing. I have not had that experience, but others may have. It may depend on what they can see in your finances, and how likely they feel they are to succeed if they sue. In my case they probably see no assets and decide to go for easier targets.

[nodollarsnomo]

DV=Debt Validation
You can find a sample letter here on the forum or you can google it. Many sample letters have alot of yada yada that you don't need to include, just keep it simple. I always let them know that I only want to communicate by mail and they are not to call me or any third party (friends or neighbors).

[optimistic1]

I like to just copy their legalese they have printed on their waste of trees.


Send them a DV letter with the following statement, and make a reference to the date on your letter, and all pertinent information, copied from their letter. Send it via certified mail, and send it after twenty days, if they call daily, send it sooner than that.



Dear Collector:

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692(g), I dispute the validity of this debt and any portion thereof, please provide me with verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification.



Regards,

Joe Deadbeat.