Duvera Financial – How to stop the collection calls
Duvera Financial – How to stop the collection calls
There are several things that you can do to combat collection calls.
Quick and easy is to dispute the debt with the 3 major credit bureaus. Before you dispute the account with Duvera Financial, make sure the account is actually on your credit report and which bureau actually has the collection account reported. Start by requesting your credit reports, you are allowed a copy of each of your reports once a year for free, so visit Requesting Your Credit Report and request your credit reports. Find which bureaus you need to dispute the account with and visit I Have Errors On My Credit Report, Now What and use the sample credit dispute letter and find the mailing addresses to send your dispute to. Always send your dispute letters by mail, you may need copies of the letters or proof of delivery.
Thanks to http://www.flickr.com/photos/andresrueda/ for a great photo
If that is not successful at removing the item from your reports, dispute the collection account directly with Duvera Financial. Request that they provide signed proof of your account, and a payment history. You have a right to this information. If they can’t or won’t provide that, they can’t prove the account is yours or how much they should be collecting on it. Also the item must be removed from your credit reports. How do you do this? Mail a short letter to the address Duvera Financial has listed on the credit report and demand your signed application or similar document (depending on the debt being collected) and an accounting history. Give them 30 days and make sure to send your request via US Mail certified return receipt or Priority Mail with Delivery Confirmation. If they do not respond, or say they do not have proof then send another letter to the bureau(s) stating you have requested proof and either they did not respond or were unable to do so and demand the item be removed. If Duvera Financial say they don’t have the proof, include a copy of their response with your letter. If Duvera Financial doesn’t respond, include proof of the delivery of your letter requesting proof.
A 3rd option to getting Duvera Financial to stop calling you is a “cease and desist” letter. Send them a letter that includes your name, address, account number. The letter should be something like this.
I am writing you to tell you to cease and desist all further calls. Do not call my home number, work number or any other number you may have. Continuing to call will be breaking the fair debt collection act. All further correspondence is to be by mail only.
Thank You
Your name
While a cease and desist letter will stop the calls, it does not stop the collection activity. They can still mail you letters, and they can send your account to a lawyer or take you to court.
Duvera Financial – How to stop the collection calls with a feature from the phone company “Anonymous call rejection”. Find out if your phone company offers it. It simply block calls from “Unknown”. You may also be able to block calls from certain phone numbers and collection agencies who do show their number generally call from the same number every time. Block that number. While this doesn’t make the account go away, it will make dinner time more quiet. Want to know who it was who called you from a certain number, check out the link on the bottom right of this page “Directory of Unknown Callers” .
