Awesome comment for debt validation letter?

February 16, 2014 9:42 AM

Hi all, I'm looking for a killer comment I saw once that had the whole content of what I believe was a debt validation letter? It included quotes from the various laws. It was badass! Now I can't find it... Do you guys know it?

FWIW, I have been getting letters for a copay that was already paid... the collectors seemingly haven't been notified of the original payment...Grrr!

Thanks!

posted by ancient star to MetaFilter-Related at 9:42 AM (14 comments total)

Was it this one I posted?
posted by scody at 10:26 AM on February 16, 2014 [9 favorites]

Yes, that's it! Thank you! :)
posted by ancient star at 10:30 AM on February 16, 2014

My pleasure -- I've never been a badass before. (There's more info about the FDCPA here that can be useful.) Good luck!
posted by scody at 10:33 AM on February 16, 2014 [3 favorites]

Yes you have, scody.
posted by Melismata at 10:48 AM on February 16, 2014 [27 favorites]

Yeah, scody, you have always been a badass, from what I've seen.
posted by rtha at 11:05 AM on February 16, 2014 [3 favorites]

and Happy Birthday, Badass.
posted by oneswellfoop at 11:50 AM on February 16, 2014 [9 favorites]

Alternative: pin the debt collector down and tickle him.
posted by Meatbomb at 4:27 PM on February 16, 2014 [3 favorites]

aw, thanks.
posted by scody at 4:30 PM on February 16, 2014 [2 favorites]

Hey, I've used that letter. I never heard back from the collectors so I can't say it was unqualified success, but at least one of my credit reports is clear now (I just pulled it last week for other reasons). So thank you, scody--you're pretty badass in my book!
posted by librarylis at 5:58 PM on February 16, 2014 [2 favorites]

What I like best about this is that if I ever need to use this letter, I will probably find it by searching for "scody badass letter" as that's what I'll remember.
posted by MCMikeNamara at 8:14 PM on February 16, 2014 [3 favorites]

What I like best about this is that if I ever need to use this letter, I will probably find it by searching for "scody badass letter" as that's what I'll remember.

Ditto. "Scody badass" is not hard to remember.
posted by Tell Me No Lies at 11:19 PM on February 16, 2014

okay, now I want a BADASS LETTERWRITER wallet, a la Pulp Fiction.
posted by scody at 11:32 PM on February 16, 2014 [1 favorite]

In case it might be helpful, the Consumer Financial Protection Bureau (consumerfinance.gov, created in response to the financial crisis) has a collection of similar sample letters for responding to debt collectors. The sample letter "I need more information about this debt" is particularly thorough.
posted by RichardP at 3:21 AM on February 17, 2014 [4 favorites]

If you're in the UK, you can find the letters you need here.
posted by mippy at 4:35 AM on February 17, 2014