Quote:
Originally Posted by Toymeister
The very first thing that you do without delay is dispute the validity of the debt by certified mail. Keep your dispute and evidence of delivery forever. Keep the letter simple "I dispute the validity of this debt." If they fail to respond in 14 days (I believe), the debt is not valid
Next read the Fair Debt Collection Practices act (FDCPA). Fair Debt Collection Practices Act | Federal Trade Commission
Next read responses to this thread following mine. |
Re: certified mail
I am not an attorney. My belief may not be valid but, certified mail cost like $7.00. Priority is like $5.00. Priority will provide delivery date. Certified you get back that green delivery card. Typically it is not signed, you may get the card back with a rubber stamp or a signature that is impossible to read. The post office, it says, will try to deliver three times and then will return the letter to the sender. I THINK, if it is not accepted by the sent to address it still is legally delivered.
My experience I sent a letter in Florida certified mail. It is now two weeks later and I have not gotten the card back yet.
Re: time shares
I suppose like every SCAM, they are copied, they grow until everyone knows it is a SCAM. They invited us toward the end. We got a free meal and RAN. Sadly, every scam catches some. Time shares caught MANY so it was a good one.