palooza, why come in here and tell lies?
Where in the world did you ever get the notion that requesting validation is only a good tactic for those who try to avoid debt? Who lied to you?
Look, let me spell this out so you can cut the BS here--stop making excuses about validation. Period.
The law requires you to provide validation if it is requested, if you intend to continue on the account. I dont care what you think about the reason behind the request, the fact is that there are several good, legitimate reasons why that request can and should be made. Here's a thought--why dont collectors follow the law to begin with and supply the proper information to consumers? I bet you didnt think of that one, did you....you see, if CA's actually did what the law says and provide the consumer with the information without all the hassle, they would actually see faster results from people who want to pay but need proof of the debt, their right to collect it, the amount, etc etc etc.
Lets try something--I have asked this question of every smarta$$ collector that has come around here recently, and not one of you wanted to touch it. Suppose I called you one day, and said "you owe me $5000...." What would your first reaction be? Chances are, it would be "what for?" Just because someone calls you up and says you owe them money, that doesnt automatically make it true. And in this day and age, where someone's identity is stolen every FOUR SECONDS, who in the hell wouldnt be right for trying to get all the facts before sending a complete stranger money??
Look--you need to stop with the CA propaganda already. Requesting validation IN NO WAY damages your credit. You need to stop lying in here or find another forum to hang out on.
Also, about your second post, you obviously refuse to be honest about your industry. Let's face facts here....
1--how does requesting a SIF letter prove the things that a validation does? IT DOESNT. All that does is prompt the CA to send a settlement amount that they will accept. At that point, they are just getting money, with NO PROOF that they even have the right to collect the debt! A SIF does not prove that the debt is real, nor does it prove that the amount owed was properly calculated. And GET REAL--there have been HUNDREDS of cases, if not thousands, where CA's are trying to collect from the wrong person, or the debt is fake altogether. All a SIF will do in that case is make an innocent person pay for a debt that they dont legitimately owe! So, it should include the original creditor--so what? I can pull up your credit report right now, see what debts you have on it, and then call you up claiming that I just bought a debt from one of your creditors....it happens all the time! Why do you think that a law exists which requires you to prove certain things about your claim? Heres a hint--laws are written most often to stop a practice that everyone has become aware of. That law was written because collectors like you were pushing people to pay debts they didnt even owe, and pushing others to pay them money they had no legal right to collect!
And the truth shall set you free....
2--about lawyers...first off, you people have this nasty habit of often pretending to be lawyers when you arent--illegal. So, if you are one of these fake lawyers, you dont have to stake your lawyer reputation on it, do you? Not to mention, there are plenty of lawyers that have been caught doing that exact same thing. The community you work for relies on ignorance by the public....lawyers make their entire living based on that same concept. Thanks for playing, but not even close.
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