The decision to sue a creditor is not an easy one. At times, you are given little options. The reasons for filing a lawsuit vary. The most obvious one is the information reported about you is inaccurate. An erroneous report can damage your credit standing and at times, you must endure harassing calls. The Fair Debt Collection Practices Act protects you from harassment and illegal actions. Once you have exhausted all other means then a lawsuit maybe all you have left. After filing, you must notify the creditor in writing that is where the “Intent to Sue” letter becomes paramount.
Keep concise records. You want a call log and copies of any documents sent or received. Have all your names and dates organized.
Collect the information for your lawsuit. You need a case number and dates of any hearings scheduled.
Go to the debtconsolidationcare website and print a copy of the sample letter (see Resources section for link).
Open your word processor on the computer. Write your letter using the sample as a guideline.
Send the letter out via certified mail. Keep documentation of all responses you receive and take that information with you to court if it comes to that.