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njlib
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Fri Apr-09-10 12:05 PM Original message |
My response to a collection letter. Any suggestions before I print & mail? |
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Ian David
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Fri Apr-09-10 12:10 PM Response to Original message |
1. Don't even HINT that you're thinking of walking away from the mortgage or defaulting. |
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elleng
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Fri Apr-09-10 12:11 PM Response to Original message |
2. Its great, and I'd send it WAY UP at boa, not just collector. |
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joeybee12
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Fri Apr-09-10 12:12 PM Response to Original message |
3. If this is your first letter, I wouldn't put the blood-sucking part in... |
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CountAllVotes
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Fri Apr-09-10 12:14 PM Response to Original message |
4. I'd make it short and sweet |
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HopeHoops
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Fri Apr-09-10 12:15 PM Response to Original message |
5. I'd change the "blood sucking financial institution" part to... |
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grasswire
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Fri Apr-09-10 12:16 PM Response to Original message |
6. after you fix it... |
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walldude
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Fri Apr-09-10 12:16 PM Response to Original message |
7. From experience... |
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njlib
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Fri Apr-09-10 12:17 PM Response to Original message |
8. Sorry, I should've clarified... |
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Greyhound
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Fri Apr-09-10 12:18 PM Response to Original message |
9. If you send this you will likely regret it. |
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pinboy3niner
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Fri Apr-09-10 12:20 PM Response to Original message |
10. One thought . . . |
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asjr
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Fri Apr-09-10 12:20 PM Response to Original message |
11. Leave that letter as it is. That is the best |
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SOS
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Fri Apr-09-10 12:21 PM Response to Original message |
12. Check this out |
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SCantiGOP
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Fri Apr-09-10 12:37 PM Response to Reply #12 |
26. I was going to suggest the same thing |
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SCantiGOP
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Fri Apr-09-10 12:52 PM Response to Reply #26 |
30. update re Legal Aid |
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njlib
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Fri Apr-09-10 01:07 PM Response to Reply #26 |
33. Thank you for this!! |
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Bluebear
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Fri Apr-09-10 12:21 PM Response to Original message |
13. Change "My house is in such a state of disrepair" to "My house is not worth what I owe on it" |
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CountAllVotes
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Fri Apr-09-10 12:23 PM Response to Reply #13 |
15. I'd leave the house out altogether |
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Bluebear
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Fri Apr-09-10 12:26 PM Response to Reply #15 |
18. Good call. |
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Cronus Protagonist
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Fri Apr-09-10 12:22 PM Response to Original message |
14. Print it and burn it |
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Bluebear
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Fri Apr-09-10 12:27 PM Response to Reply #14 |
20. **probably the best advice the OP received here** |
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Ignis
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Fri Apr-09-10 01:08 PM Response to Reply #14 |
34. Sad but true. |
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cbdo2007
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Fri Apr-09-10 01:23 PM Response to Reply #14 |
38. This is excellent advice - you shouldn't be putting any of this in writing. |
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LoZoccolo
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Fri Apr-09-10 12:23 PM Response to Original message |
16. Law #4: Always say less than necessary. |
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CountAllVotes
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Fri Apr-09-10 12:26 PM Response to Reply #16 |
19. I tend to agree with you |
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leftofcool
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Fri Apr-09-10 12:24 PM Response to Original message |
17. NO! NO! NO! |
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NV Whino
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Fri Apr-09-10 12:31 PM Response to Original message |
21. Regarding credit card debt: |
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tonysam
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Fri Apr-09-10 12:34 PM Response to Reply #21 |
23. Use a lawyer if you do it. n/t |
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tonysam
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Fri Apr-09-10 12:33 PM Response to Original message |
22. Hire a lawyer for a couple of hundred bucks if you are being hounded. |
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TexasObserver
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Fri Apr-09-10 12:34 PM Response to Original message |
24. Therapeutic to write. Mistake to send. |
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Walk away
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Fri Apr-09-10 12:34 PM Response to Original message |
25. See a good lawyer. Every one I know in this situation that had good legal advise.... |
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slackmaster
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Fri Apr-09-10 12:40 PM Response to Original message |
27. DO NOT SEND IT! |
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njlib
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Fri Apr-09-10 12:45 PM Response to Original message |
28. Thank you, everyone! |
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Speck Tater
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Fri Apr-09-10 12:50 PM Response to Original message |
29. I seriously doubt that they will be amused. Or moved. They just want their money. |
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Another Bill C.
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Fri Apr-09-10 12:52 PM Response to Original message |
31. My experience |
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njlib
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Fri Apr-09-10 01:12 PM Response to Reply #31 |
35. Thank you |
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hunter
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Fri Apr-09-10 12:57 PM Response to Original message |
32. The most I ever sent to a collection agent... |
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njlib
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Fri Apr-09-10 01:14 PM Response to Reply #32 |
36. I actually do have a little recorder that plugs into the phone |
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Crystal Clarity
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Fri Apr-09-10 01:20 PM Response to Original message |
37. I'm so sorry |
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