I recently received a letter regarding my business account credit card from Ms. Sheri Wofford, Vice President at Wells Fargo Business Direct. It wasn’t unexpected – an error on my April mortgage payment with GMAC set off a frenzy of collection notices and calls. (GMAC, I have to say, has been phenomenal in assisting with correcting the mayhem.) Keep in mind, I’ve paid this card late only once in two years, it’s now completely paid off and I don’t intend to use it again.
After a series of letters, you may receive a monthly statement with a $0.00 (zero) balance. They may cancel the debt, and write it off. Often, any unpaid “balance” on the fraudulent account simply disappears. The debt may be charged-off, or sold to a collector. When you receive a letter from the debt collection company, you will then request a validation of the debt, asking them to prove you owe them any money and showing the collector why no claim against you can be maintained. A true Debt Relief Course will also teach you how to stop all of the harassing phone calls and nasty Collection Notices.
The Chapter 7 attorney can also provide guidance to help you determine if this filing will suit your needs and expectations. He may offer other alternatives that may provide you with relief and assistance. You should also keep in mind that states may have differing laws, so hiring a lawyer who is familiar with your state’s laws is in your best interest.
Get the details. The funny thing is that CompuMail has not been around too much time but it has quickly become the authority when it comes to Collection Letters. After filing for personal bankruptcy, you are still obligated to pay your personal bills. The Collection Letters and some monthly bills will stop coming, but you are still required to pay them off. This means that even if you don’t receive a bill to your house, it doesn’t mean that you’re off the hook!
Shipping is not a problem because the company connected up with the best and efficient Print and mail services to deal with your items exempt from damage until it gets to your entrance. In the case of earnings, all you need to is to read the website regarding the earnings plan.
I will try to complete one task at a time – I have been credited with being multi-tasked, meaning I’m able to do 10 things (more than one thing) at one time. This is partially true – I can do 10 things at one time, but I cannot do 10 things at one time and do them well. The problem – well, I’ll begin writing an article or working on my blog and my mind goes to the clothes that need to go in the dryer. I pop up and go put the clothes in the dryer, throw another load in the wash and come back to writing. Now where was I? Where was I going with this? I’ve now lost my train of thought. The solution – write a quick note to myself reminding me to get the clothes out of the dryer but continue what I’m doing. The laundry can wait another 30 minutes.
You should try to anticipate defenses that will be raised by your Defendant. However, be careful. Wait until the Defendant raises the defense before you address the defense. When you are putting on your evidence, don’t try to expressly anticipate defenses as part of your case. After all, your defendant might not even bring it up. You don’t want to give the Defendant any ideas on how to defend his case. You also don’t want to put any seeds in the judge’s head about weaknesses of your case.
Know your consumer rights and fight for them. There are regulations that have been made by the government specifically with regards to collecting of debts. They are all included in the Fair Debt Collection Practices Act which can be found at the Federal Trade Commission’s website.
Don’t make your first letter look like a collection letter at all. Make it a friendly note. You’re more likely to get money from someone who thinks of you as a partner than a dun.
The follow-up letter needs stronger wording that doesn’t offend the customer. The best approach is to appeal to the reader’s sense of fairness and to give a reason for paying. From the customer’s viewpoint, the reason might be to offer an easy way to solve the problem, to avoid a poor credit rating, or to avoid having to pay cash for future orders and so on.
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