I had a credit card, it was a very high intrest rate. My Credit report states written off..I have a collection company (allied) attempting to collect so my husband made a payment, But my question is do I have to pay the collection agency if it has been written off? Should I ask to have it validated? It is only $600.00 but right now that is a million.. Thanks.

Enter Your Samebox Message:

A collection agency can try to collect a write off or charged off debt. You can now send a debt validation letter and ask them to validate the debt. Send this letter through CRRR.

You can also go through the following discussion for clarity: -

Collection Agency trying to collect written off debt

can a collection agency legally collect a charged off debt

Enter Your Samebox Message:

Finck, just because it was "written off" doesn't mean it is uncollectable, they hire a CA or sell it to a JDB who will then try to collect it. Send them a DV letter. What state are you in and when did your husband make the last payment?

Enter Your Samebox Message:

Since you husband made a payment, theat may have re-started the Statutes of Limitations(SOL), if it was out of date. You can check you state laws on this.

Do a search for Allied at the top of the screen,under whre it says Live Chat, and see what others have dealt with and what they have done with this company..karen

Enter Your Samebox Message:

__________________
As long as you are alive, there's always hope

As guest said send them a Debt Validation letter asking them to validate the debt. A sample debt validation Letter is given below: -

[img]/forums/attachments//sample_dv-letter_674.gif[/img]

You can also get some more sample Debt Validation letter in the following page: -
Sample Letters on Debt Validation for youe reference

Enter Your Samebox Message: