#33  
04-16-2009, 03:18 AM
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nohiogal nohiogal is offline

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If you can get an address I would send them a debt validation letter.

You can find an example here.

I would make them prove the debt is your before I would make any arrangments much less admit the debt is yours.

It is on them to prove the debt is truely yours. Legal debt collectors usually do not threaten things like criminal charges as that is illegal for them to do that.
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