Explanation of the 1 2 Punch

[Trish]

I haven't seen this mentioned here so I thought I might bring it up.
If anyone has anything to add.........or has any questions about this, please don't hesitate to speak up.


The 1 2 punch is a strategy used when trying to force a timeframe on the CA and has worked very well for alot of people.

You have to do things in a specific order.

1. Send validation letter CMRRR.

2.Once you receive your RRR card (or if you track online - once you know it has been signed/delivered), immediately dispute with the CRAs.

This puts the CA in a time crunch. Once the CRA notifies the CA of the dispute, the CA then has 30 days to verify the debt with the CRA.

Here's the catch - they MUST validate the debt with you BEFORE they can verify with the CRAs or they are in violation. If they do not verify with the CRA within that 30 day window, the CRA will automatically delete the TL.

Also note that they must mark the acct as in dispute.

So, if the CA cannot validate with you before their 30 days is up, they shouldn't be able to verify it with the CRAs. Result - deletion.

If they do verify with the CRAs or do not mark the acct as in dispute - violation(s). You now have leverage and you can send them a letter demanding a deletion or you will seek damages.


*This does not work on OCs since they are not required to respond to you.

Please also be careful when disputing any accts still within SOL...........because if they do turn around and validate the debt and you cannot pay it, you could very possibly get sued.

[jjgross]

Originally Posted by Trish

I haven't seen this mentioned here so I thought I might bring it up.
If anyone has anything to add.........or has any questions about this, please don't hesitate to speak up.


The 1 2 punch is a strategy used when trying to force a timeframe on the CA and has worked very well for alot of people.

You have to do things in a specific order.

1. Send validation letter CMRRR.

2.Once you receive your RRR card (or if you track online - once you know it has been signed/delivered), immediately dispute with the CRAs.

This puts the CA in a time crunch. Once the CRA notifies the CA of the dispute, the CA then has 30 days to verify the debt with the CRA.

Here's the catch - they MUST validate the debt with you BEFORE they can verify with the CRAs or they are in violation. If they do not verify with the CRA within that 30 day window, the CRA will automatically delete the TL.

Also note that they must mark the acct as in dispute.

So, if the CA cannot validate with you before their 30 days is up, they shouldn't be able to verify it with the CRAs. Result - deletion.

If they do verify with the CRAs or do not mark the acct as in dispute - violation(s). You now have leverage and you can send them a letter demanding a deletion or you will seek damages.


*

Please also be careful when disputing any accts still within SOL...........because if they do turn around and validate the debt and you cannot pay it, you could very possibly get sued.

but there is a way to dispute with the oc can't you use a 623 letter askinking them to *s**t or get*

[Trish]

Originally Posted by jjgross

but there is a way to dispute with the oc can't you use a 623 letter askinking them to *s**t or get*

There are ways to get an OC to respond.......and in some states (I know TX for sure), the OC has to abide by the same laws as the CAs.

But generally speaking, the 1 2 punch only works for CAs.

[scorch]

I once 1 2 punched a JDB and they just went away.

[nitro69]

Trish,**** Question on the 1 2 Punch.
* **** 1. Send Validation Letter CMRRR.
Are you sending above letter to the CA? and if so is there a sample letter that I can read ?

I'm looking for some clarification.

Thanks for the help.***********

[Trish]

Yes, you are sending the DV letter to the CA CMRRR.

There are some sample letters here:
Validation Letters

My favorite is just a very short, simple one (I don't think it's posted here)...

Dear CA,

I dispute your claims in their entirety and request validation pursuant to the FDCPA.

Please note that it is inconvenient for me to receive calls at my place of residence. All future communications with me MUST be done in writing and sent to the address noted in this letter.

Sincerely,
*your name*

[CreditCrisis]

Here's the catch - they MUST validate the debt with you BEFORE they can verify with the CRAs or they are in violation. If they do not verify with the CRA within that 30 day window, the CRA will automatically delete the TL.

what if they send you a validation that is incomplete? like just a bill or something radiculous?

[Trish]

Then you immediately send them a DV2 (there is one posted in the DV letters thread) so that they know you're not accepting that as proper validation.

[CreditCrisis]

Originally Posted by Trish

2.Once you receive your RRR card (or if you track online - once you know it has been signed/delivered), immediately dispute with the CRAs..

do i need to send the letters to the CRA's CMRRR also? or just CM?

[Trish]

Originally Posted by CreditCrisis

do i need to send the letters to the CRA's CMRRR also? or just CM?

CM only for the CRAs (not RR)