[robseattle]

Hello,
Does anyone have any advice on sending a debt validation letter to CA's? What I am looking for is a good format to send that is based onTFC 392.

[robseattle]

Alot of views and no responses?

[neil5623]

I'm fading fast, but it's along the line of:

This is your 60 day notice of my intent to sue per TFC 392.

Beyond that, you need the standard validation verbage: This is not a refusal to pay... Please show that you are authorized to collect...

I will look through my files tomorrow at work - when I have time!

[robseattle]

Thank you,
Finally I am getting somewhere. I have sent debt validation letters already, I figured that since I live in Texas, TFC would apply. I appreciate your help. I don't really want to sue, just eradiacate all CA items on my CR. Please let me know what you come up with. In advance....... many thanks.

[centex]

Originally Posted by neil5623

I'm fading fast, but it's along the line of:

This is your 60 day notice of my intent to sue per TFC 392.

Beyond that, you need the standard validation verbage: This is not a refusal to pay... Please show that you are authorized to collect...

I will look through my files tomorrow at work - when I have time!

Too much excess stuff...there is no requirement that they show you 'authorizations' like people continue to ask for.

Cite the demand under TFC to prove up the balance being sought and that if such cannot be obtained within the 30 days allowed under Texas law, then the TL is to be deleted...deletion being the modification specially requested by the consumer, consistent with statutory requirements.

The ITS provision is NOT pursuant to 392 but rather BCC17, which is where the TxDTPA is found.

This stuff is not rocket science people...if you have read the statutes, then everything should have been falling into place already...

[robseattle]

I realize that, but like I said, I am very new at this. I wasn't aware that, BCC17 existed..... new stuff for me. Maybe I should just hire a lawyer. I realize that CA's are required to provide information as to why the debt is valid, just don't know what and I do not want to send another round of DV's and get nothing back.