hallo nelly i been reciving letters from a midland

5 Answers

To know how to write a debt validation letter and a Cease and Desist letter, you may visit the following links:
http://www.debtconsolidationcare.com/letters/sample6.html
http://www.debtconsolidationcare.com/letters/cease-desist.html
 


Hello Riki, 

You should not reveal your Social Security number to them. They can misuse it. Check your credit report once. Send a debt validation letter in writing to the CA. If the debt is validated properly, then send a Cease and Desist letter via certified mail to them. If the CA still claims that you owe the debt and keeps on sending letters to you, then report the matter to FTC. If the debt is validated properly and the item is there on your credit report, then it is better to repay the debt. 


It is important for you to check your credit reports in order to find out if any such debt is listed there. You can also send a debt validation to the collection agency. If the collection agency cannot validate the debt then you need not do anything else. However, if the debt is there on your credit report, you will have to dispute the debt off your credit reports by filing dispute with the credit bureaus.


How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Check your credit report ....see if anything is outstanding there first.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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