sol and debt validation

First of all, be sure and appear at your court hearing, or they will grant a default judgement. Here is some info on debt validation at http://www.debtconsolidationcare.com/validation.html this should clear up some things for you. The agency who you sent the DV letter to has no specific time with which to reply. You have 30 days from which the letter is sent to you, to reply. I am still waiting on one that started withe DV letters since Jan. to reply. When you go to court, take everything you have to document the steps you took. Keep us Posted. :D ...Karen

CO took me to court 3 years ago and I ended up paying them but I was also extremely naive and STUPID when it came to my rights back then, like Bossy said show up for court with paperwork at hand

If I am not mistaken, they can not suit or serve papers until they validate the debt. It sounds like they did not do that since you requested a debt validation and never heard back. I think that is also a violation of the fdcpa. They can not collect or report to the credit bureaus until the debt has been validated when requested to do so. Definitely take it to court with all of your documents showing they did not validate when requested. You have a certified mail showing that it was requested and I bet they don't have anything like that to defend themselves. Goodluck

Did you answer the complaint? If you didn't, do so immediately. If you don't know how, find an attorney. You cannot let a lawsuit go unanswered, especially if you have a possible statute of limitations defense.