RJM Acquisitions Funding LLC attempting to extort money from me! Syosset New York

Lloyd, did you get RJM's initial dunning letter stating you have 30 days to dispute the debt on each account?

Make sure you send a dispute and request for validation ASAP and send certified mail return receipt requested for both accounts. That way you have proof in the form of a green card that RJM received your letter for both accounts within the 30 days you are protected by the FDCPA.Send it to their physical address as well, not the PO Box. RJM CANNOT dun or call you upon receipt until they properly validate.NEVER acknowledge you owe. Say ALLEGED in letter.

Validation letter tips. DO NOT make demands above and beyond what is required under the FDCPA or threaten them. Many advocate making a laundry list of demands. This is incorrect. All RJM needs to do to validate is give a simple statement showing the name and address of the creditor who owns the account plus the balance owed.

This is how I'd EXACTLY request validation with RJM for both accounts. DO NOT sign your name either.Print everything so they can't potentially defraud you by seeing a signature.

2/15/09
To RJM
From: Lloyd

I am disputing the validity of your claim concerning the alleged account of ABC credit for x amount of dollars. I trust that this request for validation will be honored in full compliance with the Fair Debt Collection Practices Act (section 809).

That is it! Don't add anything else. It's firm, nonthreatening and you don't admit a thing. STAY OFF THE PHONE AS WELL between now and when they receive your letter CMRRR . Good luck!

They buy old debts for pennies on the dollar then inflate the original amount visit www.budhibbs.com He has good advice as did the last poster As stated DO NO talk to them on the phone Let voice mail or your machine pick it up - If it is legal in your state - record those calls on a tape recorder and take a picture of all the calls on your caller id - (my attorney told me to do that in my case against a bottom feeder) Do not let them bully you Fight Back!!