Question about credit and debts...

[Gurm]

So you intend to show them you are better by sending a neat official reply? You are a consumer, you do not have to meet their standards, lowly as they may turn out to be. If I were a collector and you'd send me notarised mail, you'd make top on my 'likely to collect' list. It must not be a stupid reply, it must be a reply that could make people think _you_ are stupid and, more importantly, hopelessly poor.

Rereading your post, the fact that they charged off your debt at $1,500 does not mean their cliam is capped at that, not at all. It just means that at that point they deemed the claim worthless which is not at all the same as void. The claim continues to accrue interest, fees, commisions and whatnot, it just won;t get to their P&L.

Oh, and BTW, read this disclaimer: I am an ignorant prick who does not know anything about these kind of things, expecially not in the USA context. You may do well to seek professional advice on this.

Well here's the deal - I checked with the court. I'm REQUIRED to send a certified (not notarized) reply, signature required, to the clerk magistrate and the collection company. Or else they can petition for a summary judgement in the absence of my response.

I'm working with some people on a different forum that deal with this crap all the time.

[Umfriend]

OK, I am happy to hear you are getting help from people that actually, unlike me, know about these things. Still interested in the developments though.