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Daniels & Norelli - debt validated???

Date: Tue, 10/14/2008 - 18:47

Submitted by cstammel
on Tue, 10/14/2008 - 18:47

Posts: 12 Credits: [Donate]

Total Replies: 4


Sent a debt validation letter to these guys after speaking with an incredibly hostile woman and decided I would only contact them via writing. What they sent me back was a copy of the judgment entered against me in a court in Erie County, NY dated March of 2006 and the plaintiff is listed as Chase Bank USA. The total amount on the judgment is 4,523.15, but the total amount asked for by these guys is 4,604.57.

Is this enough to validate if I asked for more? I asked them to provide a copy of the original contract that I had with the creditor. I also asked for a complete billing and payment history. I also asked for proof that they are licensed to collect debt in my state. I asked for more, and all I have is the judgment. I think I have been diligent and equally conniving as them so that I would be able to get a payment settlement for about 400 a month. Is this the validation that will force me to come to terms and pay them? I only ask since they have such an abominable reputation and I was verbally attacked by one of their reps, therefore I don't want to give them a dime.

Any help would be very appreciated.


Yes, they served me proper. I guess my next question is what my next step should be. I don't mind paying it since it is a legit debt, but I don't want to make the wrong move with this shady outfit. Should I send a letter to settle? Should I send a letter to make payments? If so, do I set all of the terms and the payments ahead of time and get them to sign off on it so they can't find a way to try for more? Any experience here?


lrhall41

Submitted by cstammel on Tue, 10/14/2008 - 20:00

( Posts: 12 | Credits: )


They provided a copy of the judgement. That's all they need to provide. That laundy list of items is all well and good if you were in the discovey phase of litigation but the OP is well beyond that point. A judgement has already been awarded. The OP was properly served and either did not respond, default judgement, or responded and lost.


lrhall41

Submitted by NASCAR_Devil on Wed, 10/15/2008 - 04:08

( Posts: 4671 | Credits: )