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I sent about four different companies requests for validation on the 14th of April. It's now the 15th and i've heard nothing from any of them. obviously i'll wait a few more days for stragglers, but what then? I'm not sure what the next step is.

Also, a different question...
one of the places i sent a validation request to was the original creditor (Chase) I've heard nothing, but the CA bugs me... and the only validation they've given me is a sworn statement that they own the debt. Is that considered enough? I could sign a piece of paper swearing I'm Madonna, but i don't think it could hold up, you know?

Posted: Thu May 15, 2008 5:36 am Subject:

1. Dv to a original creditor is pointless as they are not bound by Fdcpa laws.
2.Unless you have state laws saying different,there is no time limit on when they validate,they just have to cease collection until they do.
3. A affidavit is not proper validation in my opinion.

Posted: Thu May 15, 2008 8:36 am Subject:

Cajun is right- you have 30 days to dispute, they have no time limit, unless you are in Texas or a ew other states.

There is one well know CA that sends out sworn statements, but they are a crock. You can always ask for them to appear in court and swear to this, which they can't, usually it's made up..karen

Posted: Thu May 15, 2008 8:39 am Subject:

What is this about Texas? I'm not aware... do we have more rights concering time lines?

Posted: Thu May 15, 2008 8:47 am Subject:

Here is a link, it's an old one, but it will give you an idea about Texas at http://www.debtconsolidationcare.com/forums/westassetmgmt.html scroll down the page and you will find it..Good luck..karen

Posted: Fri May 16, 2008 7:27 am Subject:

then why in all the debt validation letter do they mention that the CA has 30 days to respond? what is the point to that?

Posted: Fri May 16, 2008 7:27 am Subject:

Additionally, what would an appropriate time frame be to turn to the credit bureaus and say- they couldn't validate this, please remove it?

Posted: Fri May 16, 2008 8:12 am Subject:

I believe you have to dispute it with the credit bureaus and then the CA has 30 days to validate or it gets removed.

Posted: Fri May 16, 2008 7:23 pm Subject:

the problem is that youre talking about two very different things.

When you speak of the credit bureaus, it isnt validation, but VERIFICATION. Completely different. Here's the basics--

1--you notify the credit bureau(CB) that you dispute a debt listed on your credit report.

2--the CB notifies that debt collector that youve disputed the entry. The DC now has 30 days from date of notification to respond with VERIFICATION to the CB. Verification is nothing more than verifying your name and address, and SSN. This is NOT validation. Validation is more specific and actually has the goal of proving the debt as legitimate.

mr x · Posted: Sat May 17, 2008 10:27 pm Subject:

"Troll Spew" deleted.

Posted: Sun May 18, 2008 4:24 am Subject:

It's not that we're trying to look for excuses to not pay. I think most of us are more than happy to pay the ORIGINAL CREDITOR what we owe them. It's these junk debt buyers who purchase the accounts for pennies on the dollar, add extra fees, then harass us to collect that whole amount. Validation doesn't mean we don't want to pay, it means we don't want to pay these snake companies.

Some of us were also in situations where we lost jobs, or due to medical reasons could not pay our bills. You're making it seem as though we're all thieves who do this intentionally. We're far from that.

Posted: Sun May 18, 2008 5:19 am Subject:

I know it's difficult, but try to ignore the trolls when possible. I have trouble with that, too, but I try. Best is to contact a mod, to see about getting the troll-spew deleted.

Posted: Mon May 19, 2008 12:30 am Subject:

Texas has some nice laws for consumers regarding debt. There is a way to force the issue for states that have no time limit. Once you send the DV and you get the green card (or email) back, you then dispute with the 3 CRAs. They will usually verify the account. Well, now you have the CA on continued collection activity because updating a credit report account is considered continued collection activity. Now you have them for $3000 in violations. You can then send another letter informing them that unless they close the account and remove it from the credit reports, you will take them to court. If they don't comply, take them to court!

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Requested Validation... been 30 days... NOW WHAT

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