Well, as I rummaging through old paper work and I’m trying to clean up my desk. I found old letters and I forgot to tell everyone that you should save the envelope too….
What do I mean by that? When you get a letter from a creditor, a bill collector or a bill, you should attach or staple the envelope that you get your letter in. Give me a minute and I will give more detail.
Why do that? There is so much information on the outside of the envelope that can save you time effort and energy in the long run. It will give you the time and date of when the letter was sent out. Or it can give you who sent the letter to you. It can also give you a delivery date or a time when you should have it. Lots of information can be given to you about and what it suppose to do. This can be crucial information that can help you in the long run. If it does not have a date or time, then you can argue that you don’t have a defiant when the letter was sent to you… Which in the future it’s your saver.
One other thing you need to do is write the date that you received that letter on the envelope. By doing this you have more evidence, incase needed.
Let me explain and give you examples, let’s say that a creditor tell you that they sent you a letter in their time limit. By law(s), the creditor has a time limit to send you information. If the letter got to you 1 day before their dead line, then the creditor is in the wrong. They should have sent you that letter 1 to 2 weeks before there time limit. By holding on to the envelope you have evidence of the mistake they did.
Another example, you need to know when you got the letter. The date stamp on the outside of the letter is on the envelope. So you have that information.
Creditors, Credit collection agents, use this method all the time. That is why they can get you on when you sent in a payment or how it was delivered. If they use it, why can’t you use it to?
About 2 years ago, I argued with a creditor on a payment that I sent in. They sent me a statement on the payment and I saved the enveloped, wrote the date received and attached it to my statement. The creditor did not have a record of the payment being delivered on time. Without the envelope and the date and time stamp on it, I would not have won. That envelope saved me time, effort and energy and the creditor was at the wrong.
See, just doing simple things, can save you in more than many ways. Don’t give up on yourself. When dealing with a creditor, think like you are a business and handle it in a business manner and you will come up on top.
Good luck and keep pushing forward. You can do it.
