Worth sending DV letter 2 weeks before filing?

[copaaz2005]

Just curious on inputs. Is it worth sending out DV letters when i'm 2 weeks away from filing? I'm thinking it's worth the certified mail/return receipt cost to have them stop calling me during their validation period.

[tigergem]

I sent one within a couple of weeks of filing and they never even answered it. I suppose that comes under a violation of the stay, you know... since they typically put that "mini miranda" debt collection warning on correspondence.

[LadyInTheRed]

Sending DV letters seems like a waste of time to me. But, some people have more tolerance for the calls than others.

Just don't answer the calls. Or try answering and telling them you can't pay now, but might be able to send payment on a certain date that's a couple of days after you plan to file. That may or may not stop some of the calls for a while.

[catleg]

Total waste of money.

[Fresh]

Ditto. Waste of time and money.

[copaaz2005]

thanks for the inputs. I'll not waste my time/money. Its kind of odd the last week and this week all calls have stopped. I,m assuming the cc companys are all turning over my accounts to collectors now. Anyone experienced a complete stop of phone calls before filing? All my creditors I have told I'm filing and to contact my lawyer

[LoadedGuns]

Save a stamp and a tree. :-)

[gacreditguy]

Just curious on inputs. Is it worth sending out DV letters when i'm 2 weeks away from filing? I'm thinking it's worth the certified mail/return receipt cost to have them stop calling me during their validation period.

I am on the other side of the fence here OP.. My motto is CYA!!!

What if your filing is delayed or something happens. Plan for the unexpected ALWAYS!!! May be a little more work on your end, but do not leave one stone unturned...

CYA