All Entries in the "Debt Validation" Category
What If a Debt Cannot be Validated?
From an answer to another question a freaky scenario occured to me: you are approached by a Debt Collector regarding a debt you know you own, you request validation, and the collector cannot validate it. How can this happen, and are you legally within your rights to not pay a dime even even if you [...]
I have a debt that is past the staute of limitations that I am trying to take care of?
I have sent the validation letter and the stop and decease letter (both certified)and its still on my report even even if they failed to send any paperwork/original documentation that they had on this account. What should I do now? PLEASE NO RUDE UNCALLED FOR RESPONSES IF YOU HAVE NOTHING NICE TO SAY KEEP IT [...]
Is it cheaper to settle debt on your own then though a debt settlement program?
I have a lot of debt and considering settling these debts without a debt settlement company. Their are many debt settlement programs that promise to save you 50% while other companies promise to save you up to 75% of total debt you owe. How can one company be better then the other, after all, in [...]
If a creditor can’t validate a debt, can their attorney still sue my wife if the attorney refuses to validate?
An attorney’s office is trying to sue my wife, she requested debt validation when we received the initially letter at our current address. They never responded and then my wife got a small claims court thing in the mail saying they were suing her. I filed a complaint with the AG’s office and they started [...]
validating credit card debt to debt collectors?
there are countless websites of information on the internet from anecdotal experience, consumer groups, etc etc interpreting the FDCPA and other federal credit laws, as well as some states guidelines too.
a lot of talk is about “debt validation” or “debt verification” meaning that a debt collector cannot legally collect a debt if they cannot fit [...]
What to do next with debt collector and attorney general?
An attorney’s office has been trying to make my wife to pay some debt she has no recollection of and we requested a debt validation. After about two months she had another debt collection company coming after her for the same alleged debt, again we requested debt validation and have not heard anything from these [...]
Is it legal for a collection agency to say they will send verification when they receive it ?
I sent a debt validation letter and they answered they will make back to me when they hear information.
Can they take longer than 30 days legally?
The FDCPA states they have 30 days.
Echo how can I find out if they are past the collecting SOL for your state?
Thank you; very informative answer!
How do I know which state’s laws I use for debt collectors?
I went from Michigan to Pennsylvania and the creditors are still hounding me. I want to follow the validation procedure, but am unsure which state’s rules to follow.
debt collector didn’t validate debt, now suing?
We have a credit card debt from 2006. Original creditor charged off debt. We had received letters from 3 different debt collectors, regarding same debt. Looks like has been sold each time. Third debt collector hired an attorney, we requested debt validation from the attorney, as stated in their letter. (within the 30 day time [...]
If debt collectors fail to respond within 30 days, is the debt invalid and the debtor free of supposed debt?
I read this on “About.com”
After getting your dispute, the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor (but, it is the debt collector who sends [...]
Debt problems (short)…………………..?
About a year ago, we got paperwork for a debt we did not believe we made. I questioned them for debt validation, they refused and garnished our income tariff money three weeks later. I e-mailed them the vailidation, they said that was the normal procedure (I know know that is fake, I should have snail [...]
How Many Times Can an Unverified Debt be Sold?
In 2005 I was told by collection agency # 1 that they were trying to collect a debt. I had no thought what they were talking about, so I sent (in certified mail) a request for validation. I received no response. In 2006, they apparently sold the debt to collection agency # 2. Since I [...]
What is the next step after letter of validation?
I sent a debt collection company a letter of validation (I copied a letter of validation format from a website I found) and they sent me a answer requesting me to fax or send them any documents proving that I owe the debt. Police reports, signed receipts, credit documents and etc. Now, I don’t [...]
Debt collector filed to sue before sending me paperwork validating my debt. Is that illegal?
I have a debt collector who contacted me on the 12th of November and the following day I mailed them a debt validation letter. On the 19th they sent me a letter claiming they hadn’t heard from and I wrote them back saying that was bogus since I sent the original letter certified mail and [...]
Does the FDCPA cover me if I haven’t received a letter from a creditor? Simply found them on a credit report?
I pulled a credit report and found listings for creditors I have never received letters from. Does the FDCPA cover me if I am the person initiating contact with a primary or secondary creditor? Can I simply send a debt validation letter to them and then proceed with investigation and still be covered by [...]
If a collection agency sells an account to another, can the 1st agency be removed from my credit report?
In the administer of paying ancient collections on my credit report. On one bill I have two different collection agencies reporting. The initially lists the account as date of deliquency in 3/2003 it hasn’t reported since. The second gives the date as 2/2005 with last reporting in 10/2006. Both are for [...]
When looking at dates on credit report for dispute do you go by opened date or reported date?
I am looking to send out a bunch of dispute letters to the credit bureaus and collection agencies. I was advised to full out dispute items over 7 years and request debt validation for items over 3 years. I just dont know if I should be going by the “opened” date or the “reported” date.
Anyone [...]
Will filing a credit report dispute make the debt go away?
I have a collection agency after me for a debt. If I dispute the debt and the credit reporting agency does not make a validation, I know they will remove it from my credit report, but will the collection agency have to write it off as well?
If I sent a collection agency a cease and decease order and they still call me what can I do?
A small background. I sent a collection a debt validation letter and enclose a stop and decease part. I sent it certified mail and got a signature back. I also have my telephone record that showed the call me 8 days after getting the letter. I am in the state of Illinios. What can I [...]
My brother has been served a summons in FL from Capital One. When would he file a Sworn Denial?
He had 20 days to respond and he sent out a debt validation letter. Has not received anything as of so far. At what point does he file for Sworn Denial? If so, what should be in the statement?
Thankfulness in advance.
I sent a credit validation letter to a credit agency to validate a debt for $4,367 from some apartments……?
This amount is outrageous to me. The responded with a letter that they had received my request..that my dispute has been investigated but they have so far to find sufficient evidence to validate my aver. Now they want me to provide them with documentation supporting my position or pay. All they provided me with was [...]
If I ask a bill collector to validate a debt?
how do i know if the validation is real? what the preeminent way to pay off the debt like with a money order or check or what? and how do u know if a bill collector is not a trick?
Received claim from debt collector
Is it late to question for debt validation in respond to an arbitration aver I received?
Are collection agencies required to only send you one copy of a verification of debt?
The collection agency that is calling me said they already sent me a verification of debt. But I KNOW they did not as I was waiting for it and it never came. Now I called back and they said they are only required to send me one validation letter even even if they really never [...]