Question by arngchick2003: Debt validation answer from collector?
Hello~ We got a letter for a debt we allegedly owe so we sent them collection company a debt validation request letter. All they responded with is, ” we have received your request for validation of debt. We have confirmed with our client the accuracy and correctness of this debt.” How the heck does this prove we owe this debt?? What should we do now? Send another letter? Any help would be greatly appreciated.
I should say they did give me the original creditors name and an account number. Since they didn’t send proper verification should I wait 30 days for the proper verification and if they don’t send it we could send a letter stating they didn’t give us proper verification w/in 30 days so we assume its not our debt?
Best answer:
Answer by MVD34
Check your credit at all three credit agencies first — if you see an error there, dispute it.
Send the collection agency a “drop dead” (below) letter if your credit reports come back clean.
——————————————————-
(Date)
To Whom It May Concern:
I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.
Sincerely,
(Name)
(Account No.)
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If this is a debt that you do not owe, then here is how to request validation:
Send them a letter via Certified Mail + Return Receipt (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of your claim, to include a copy of the original signed contract with my signature. I cannot respond to your claim until validation in this format has been submitted. A typed letter showing an account number and balance due is not proper validation.
Telling you that they confirmed the debt with the original creditor is just crap, it means nothing. Do you actually owe a debt that could have been turned over to collections? I would send another letter now and send it certified with return receipt stating that they have failed to properly give you debt validation per the Fair Debt Collections Practices Act. Since they refuse to send the proper info to validate this debt, they cannot continue their collection activity. You want invoices/statements showing what you owe, payments made, dates of services, copy of contract with your signature (not sure what type of service was sent to collections). Read up on the FDCPA and let them know you know what your rights are. Follow CatDad’s format.
without a copy of the original contract signed by you the debt does not exist. tell them to prove its your debt. send you billing statements and date of last payment. prove its not past sol. im 90 percent sure they dont have any of the paperwork. dont talk to them on the phone. do everything in writing. never sign your name on anything. never in anyway acknowledge the debt was ever yours. refer to it as this alledged debt.
First and foremost, most (if not all) third party debt collectors are dead beats! The fact is, you have the RIGHT to fight them in court! Yes, I know, its hard to take off of work or lose pay or even get to court sometimes, but really, the consequences of NOT going are far, far worse. Think you have no assets they can take, or wages to garnish? Think again! They will do an asset hearing that will include everything but your ONE house, ONE car (if its valued at less than 5,000), and your personal “stuff”. That’s about it. So don’t take it lying down, you get ready to fight! And by the way, I have been very successful with these debt collectors and stopping them from robbing me of my hard earned cash (what little there is of it these days) by standing up for my rights myself, so I know it can be done.
Yes, I have debt, this is true. And I am paying my ORIGINAL debtors now that I have a new job. I am NOT paying the third party debt collectors. I know better!
I have had a lot of friends asking me how I did it, or how they can stop debt collectors. Sometimes when family or friends come to visit and if a third party debt collector calls, they are amazed at how I can speak politely but frankly, and the collector gets mad and hangs up. Then they don’t call back for a long, long time. And since I have been doing this, not one of them have actually taken me to court, although I get threats all the time. So anyways, after getting asked over, and over, and over again what my friends or family should do to follow my example, I got tired of it. So I sat down and typed out the whole instructions thingie and posted it to the web and added a couple other facts too. Now, when someone asks, I just give them the URL and say “look at it at your convenience.”
So, I suppose I will do the same for you (or anyone else who wants to stop a debt collector). Here’s the URL. I hope it helps you!!!!
1. If you write a letter to the debt collector, they probably won’t get it, then blame you for “failure to respond.” This URL will tell you why this happens:
http://www.associatedcontent.com/article/1556074/why_creditors_never_receive_your_debt.html?cat=3
2. I get tired of getting phone calls sometimes. Here is how I got the calls to stop, at least, for awhile.
http://www.associatedcontent.com/article/2282841/how_to_stop_debt_collection_phone_calls.html?cat=3
3. If you get sued it will probably be a seedy collection agency calling itself a law firm. The only thing about them that is the “law” is their rent-a-lawyer who pops in long enough to grab a file and head to the court house. My hubby had an experience with one of these loser firms, and thanks to me, it was dismissed. Here is our story:
http://www.associatedcontent.com/article/2298311/how_to_fight_love_beale_nixon_in_court.html?cat=17
4. Finally, I wrote out a big tips and advice article about what to do when the debt collector calls you, how to secure your rights, money owed to you if your rights are violated (and trust me, they will be), and why you shouldn’t be scared about going to court. It is very useful information, and anybody who is dealing with a third party debt collector should read it! Here is the URL for that information.
http://www.associatedcontent.com/article/5462588/how_real_people_fight_debt_collectors.html
I hope this information helps you out. I’m not an attorney, but i do know my way around the law, to the degree that i needed it that is. Everything i am telling you here is stuff that i learned AND TRIED on my own. All of it was successful, and continues to be successful today. And I am sure you can be successful too, so long as you don’t neglect to retain your rights like I am telling you here.
Good luck