Firstly ensure you have everything that you will need ready. Checkout the check list of items below.
Also check out Keeping-it-Organised for more information on organising yourself.
Please don't start sending letters until you have read this information and understand the options and procedures
Check the correct flag is highlighted for your country at the top of the page above the menu. This ensures you have the correct statute laws quoted in the letters for your country.
First off check if your debts have expired, by checking the information for your country and region here- Statute of Limitation
If you debts haven't expired, you must now decide whether to use the ‘Addressee Not Recognised’ labels, (for debt collectors only) the 'Standard Letters' or go for the Common Law Copyright Procedure. Then download the relevant letters i.e. Banks, Credit cards, Debt Collectors or Payday Loans, etc.
When you send a letter to a bank, it’s best to send them to the CEO if you can find the name, if not put F.A.O. (For attention of) The CEO in the address line then Dear Sir or Madam. A list of CEOs can be found here http://www.ceoemail.com
Also send a copy of each letter to the contact in the collection department, who sent you the letter.
When you receive a letter from a Debt Collector, reply to whoever sent the letter to you; if there is no name, 'Dear Interloper' will do. Once you start sending the letters, ALWAYS send them to the person who originally sent you the letter. These organisations like changing names and departments, ignore this and continue send your letters to the person who sent them to you.
Wait Ten (10) days then send Letter 2. If you receive a response to any of the letters, your reply must be the next letter when the time is right.
Wait Ten (10) days then send Letter 3.
If all is quiet after about a month send the Estoppel.
If they continue to chase you, Bill them, as per the Fee Schedule in Letter 3, for every time you have ANY contact from them.
If they sell it on to a Debt Collector before they get letter 3 still send letter 3 to them to get them in a Tacit Agreement and start again with the new company.
They are likely to send threatening letters but that's all it is; a threat. The banks often respond with the laws that we are quoting do not apply to this country, or will say it doesn't apply to them and you have got this template letter of the Internet. So what if you have, it doesn't make them any less powerful. They send us template letters all the time!
They may ignore the letters and continue to send you "threats-o-grams", if they do, simply follow the procedure, keep sending the letters and ultimately bill them.
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