Quote:
Originally Posted by Toymeister
Absolutely wrong. The only way to dispute a debt is to do it yourself (or an authorized agent), in writing, in a way that you can prove it. The Federal Courts have full faith in the Federal employees that deliver US Mail. Send it certified, return receipt required with signature, now you have proof. Does Credit Karma provide irrefutable evidence of delivery, absolutely not.
This is why bankers don't appear in Federal Court on contract disputes or defending the validity of your debt.
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My husband was postal inspector and said you send 2, 1 certified and 1 regular. If they refuse the certified and the regular does not get returned unopened, you have all the documentation you need. I did it all the time when notifying fed employees about personnel issues they refused to respond to and it worked in court.