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Old 12-01-2008, 02:28 PM
finck finck is offline
 
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Default Credit card turned to collections.

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.
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Old 12-02-2008, 01:07 AM
phoenix phoenix is offline
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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
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Old 12-02-2008, 01:07 AM
Anonymous
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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?
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Old 12-02-2008, 07:27 AM
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Bossy4455 Bossy4455 is offline
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Since you husband made a payment, theat may have re-started the Statutes of Limitations(SOL), if it was out of date.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
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Old 12-02-2008, 07:00 PM
phoenix phoenix is offline
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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
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