asset acceptance

Send them a debt validation letter, send it certified return receipt requested. They are requried to provide you with this information.
Be sure that you answer their summons before the deadline and make sure to appear at any court date because you do not want them to get a default judgement against your husband.
I am not sure how long it will take for it to appear on your credit report. I know if they do get a judgement it will show up.

I have posted the sol laws for your state on your other thread.

it's a p.o. box so don't if there is anyone to sign for the certified letter. all it says on the paperwork is 20 days from the date it was served.

You can send a certified letter to a po box. They put the slip in the box, and then the person gets the letter and signs for it.

okay..i will try to look up a sample letter. it's just so overwhelming..we just thought our lives were turning and finally getting a house then this..

Under the "Do it Yourself" link above there is a sample Debit Validation Letter that you can change to fit your current situation.

thank you...i don't know if it will be a win for me but they are trying to say original debt is over $9000 but with fees it's a total of over $17,000

what is answer to complaint and how do I do that? Can I do that for my husband or he has to go down to the courthouse himself? Asking since he works all day.

I am not sure. Just make sure you answer the summons in the time alloted or it could result in a default judgement especialy if the filed before the SoL expired.

I am curious about something personaly though. My credit sucks, it's taken me a year to raise it 100 points and my most disasterous stuff has been taken care of and removed. With the houseing market in decline and you have a charged off debt on your account what type of interest rate are you getting? I would also like to get a home soon but I was advised to wait until I had about a 750 on my score.