Debt Validation letter sent

[ChrissyF]

I sent a DV letter to Cap1 collections & didn't send it registered mail. I didn't even think to do that. Should I resend it certified so they can't say they didn't get it?

[optimistic1]

If what you say is true, Cap1 sounds like an original creditor, to which they need not reply to a Debt Validation letter, they are not bound by the FDCPA laws.

If it was to a collection agency working for the original creditor, then it would apply.

It would be wise to do so, if its a collection agency, they play games.

[treehugger1]

It depends upon your state laws as has been mentioned many, many times on this forum. My state has it's own version of fair debt collection and original creditors are included in the protection for the consumer. I think there are a few other states that mimic the FDCPA but also apply them to original creditors.

[albacore44]

hi Chrissy,

If it's a CA for Cap1 sending regular mail will work. I sent a couple certified, but i dont think it's warranted. I sent out over 25 DV's to Ca's and Law firms, and they all stopped calling.

now if you sent it direct to Cap 1, that wont stop them. You will still get your daily calls from Hot Linda.

Good Luck

[ChrissyF]

Thanks, it's actually a collection agency for Cap1, I think it's called Pentaquit or Pentagon? I don't have the paper in front of me, but they are a company in TX.

I sent the letter directly to them a few days ago.