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What is my next step?

BayHouse Credit Forum: 10/1999 to 01/2001: Credit Reporting, FICO Credit Scoring, Disputes, Collections, Charge-offs, Bankruptcy, CCCS: Uncategorized Archive 3: What is my next step?
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anonymous (Zcraws)

Tuesday, May 02, 2000 - 02:26 am Click here to edit this post
I sent a creditor a "prove it or remove it" letter over 45 days ago and have received no response. I am not sure what to do next. What should be my next step? What recourse do I have? I sent another creditor a letter offering settlement of a debt more than 45 days ago and have received no reply. What should be my next step? Any info would be greatly appreciated.

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Morgan Appel (Downinsocal)

Tuesday, May 02, 2000 - 10:02 am Click here to edit this post
Howdy Z Craws--

To me, it seems as though the ball is in your court. Did you also contact the CRAs, and did you do this all via certified mail?

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anonymous (Zcraws)

Tuesday, May 02, 2000 - 11:44 am Click here to edit this post
Well, I guess in my post I was trying to say that I do not know what to do next. I assumed that I would receive SOME sort of reply and take it from there. And yes, both letters were sent via certified mail and both were received. These two accounts have already been disputed twice and verified twice by the CRAs.Should I resend the letters and copy the CRAs?

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Anonymous (Anonymouse)

Tuesday, May 02, 2000 - 11:57 am Click here to edit this post
No, you should sue all parties involved. You have fulfilled your obligation, time to get nasty on them.


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