Letter questions

[keyd93]

My wife and I both received a letter from lawyers of a debt collector. This is RE a repossessed car that was in both of our names. I've been out of work for over 6 months.

I'm about to send the first letter but have some questions:

1) Is sending the first letter back to the debt collector's lawyer sufficient or do I also send the original bank who made the car loan a letter as well?

2) Since we got 2 letters (one for me and one for wife) do I need to send a letter and my wife send a letter? The original car loan was joint.

Thank you in advance

[ceylon]

just the 3 debt collector letters will do

no just put both names on the letters

[keyd93]

Ok, I've just found out that I've been dealing with the lawyer of the bank. I had addressed the first and second letters to the lawyer. His response to the second letter has me concerned, specifically his 2nd paragraph. Have I messed up in addressing the 1st 2 letters to the him? Where do I go from here? Start over or send the third letter?

The lawyer has just replied to the second letter with the following:

Dear Ms. and Mr. xxxxxx:

I am in receipt of your letter dated April 26, 2012. Our firm was engaged by ANBB Federal Credit Union to provide it with legal services to secure its rights in the loan documents attached and previously forwarded to you. ANBB advises me that the above referenced claim is valid. I have responded to your inquiries to the best of my abilities based upon the documentation which has been provided to me by ANBB. Attached is the supplemental documentation, provided by our client, which supports this claim and compliments the information previously submitted to you. The attachment may constitute verification of the aforementioned account for purposes of 15 U.S.C. 1692g (Sec 809) of the Federal Fair Debt Collection Practices Act.

I reject any assertions by you that I have agreed to pay you damages, have engaged in fraudulent activities related to this loan, have agreed to cease representation of ANBB with respect to this matter, have agreed to pay your fee schedules, or in any manner compromise my client's rights as you have suggested.

[ceylon]

just keep going, they are trying scare tacticks on you

[andymoore]

I agree. Don't be scared, these monsters thrive on fear.

[keyd93]

So it won't be a problem that I'm addressing these letters to a lawyer at a firm representing the bank?

I'll be sending the third letter out next week.

On a side note: they actually sent me an affidavit saying that the debt is valid (in reply to the 2nd letter) -although it was only signed by the bank's collection clerk and a notary.

[ceylon]

can you read the name?
if so he has commited perjury and is in big trouble

[keyd93]

can you read the name?
if so he has commited perjury and is in big trouble

I'm not sure what you mean about reading his name and perjury but I'll address the third letter to him.

btw Thank you very much ceylon for answering all my questions and everything you do here. I'm very appreciative.

[ceylon]

send the letter to the same guy for all 3 do not change stick with who you start with