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[pats12]

Hi there,

As I've noted in other threads, I'm busily paying down credit card debt and making very good progress. I pay on time and significantly more than the minimum due and have no errors on my credit report (I checked).

Still, I keep getting this generic "debt mediation notice"  where it says it can help me pay down my "estimated" balance of 30,000.

One, I don't owe anywhere close to that amount and two, every time we get one, my partner gets upset since we pay down the card together and freaks out that somewhere along the way we actually owe more. I think it is just an ad, but how can I stop it from coming to my house? Can I? There is a phone number and an address.

[clean]

Pull copies of your credit reports (for both of you).  Show each other what you owe.  Ignore the ad.

Debt mediation?  its an ad.  If you are making payments, the credit card companies are not going to voluntarily offer to reduce their assets (what you owe them).  I doubt that the 'company' sending you the letter can even do a fraction of what they promise.

[pats12]

Hi there,
We have both showed each other the reports about two weeks ago (we just got them to refi our mortgage and we got a lower rate). They are squeaky clean with good scores (both above 750). No weird or wrong debt.

We aren't planning to use this company or even consider the letter. My bigger concern is we keep getting one and if anyone ever saw it we'd both be mortified since it says we owe a huge amount of debt (which, BTW we NEVER owed this much to a credit card).

I was just wondering if I could call them and tell them to stop it, legally.

[this_is_water]

I don't know if this works or not, but it exists:
https://www.optoutprescreen.com/?rf=t

[pats12]

As a follow up, I looked these people up and found a BBB report:

http://www.bbb.org/dallas/business-reviews/debt-relief-services/credit-arbitrators-in-plano-tx-90315469

I also found out if you call them and tell them to stop sending you notices they have to abide by it for at least 120 days.

[clean]

I doubt that the 'company' sending you the letter can even do a fraction of what they promise.

Seems that the BBB agrees with me!

I wouldnt even call to stop the mailings.  Let them spend the money on the stamp!  The sooner they are broke, the faster we are all better!

[proftowanda]

I doubt that the 'company' sending you the letter can even do a fraction of what they promise.

Seems that the BBB agrees with me!

I wouldnt even call to stop the mailings.  Let them spend the money on the stamp!  The sooner they are broke, the faster we are all better!

And if the mailing comes with a return envelope, stuff it full of junk mail and send it back, for them to pay the postage.  (I did this several times with some politicians' fund appeals, and I finally was dropped from their lists.)

[melba_frilkins]

I doubt that the 'company' sending you the letter can even do a fraction of what they promise.

Seems that the BBB agrees with me!

I wouldnt even call to stop the mailings.  Let them spend the money on the stamp!  The sooner they are broke, the faster we are all better!

And if the mailing comes with a return envelope, stuff it full of junk mail and send it back, for them to pay the postage.  (I did this several times with some politicians' fund appeals, and I finally was dropped from their lists.)

Relatedly, if they have a 1-800 number you can call it (at their expense) to innocently inquire as to the accuracy of their "estimate". Ask many, many questions. Note: this requires you to be in a passive-aggressive mood.