When you have a post you want to reply to, you can hit the "quote" button, and address the issues raised in that post.
Congratulations on putting those dogs to sleep.
If there are other hounds that are surrounding you, I'd recommend continuing to read the information here, and practicing writing with dispassion.
The goals of any collector are twofold. First, to get you rattled. That makes it easier to achieve their second goal: to separate you from your money.
Start opening letters, and if they are dunning letters, send DVs. Simple is best:
This debt is disputed. Send validation.
All calls to all phone numbers at all times are inconvenient.
I elect arbitration. (Unless you are dealing with Citi, they're a special case.)
My correct mailing address is:
Type your signature.
That will cause one of two outcomes.
They go away, and you never hear from them again OR they get aggressive, and you start collecting violations for your own lawsuit against them.
