help with validation letter

http://www.debtconsolidationcare.com/letters/

There are template letters on this site to help out with various issues. The link to a sample debt validation letter is below. I think this letter is to the point and concise, nothing that should tick a creditor/collector off. Bear in mind, these people want to collect on the debt regardless, so whether you ask for validation or not, they can still be jerks....

http://www.debtconsolidationcare.com/letters/sample6.html

hi lisa--

a question--when you say "an old debt", how old? And what state do you live in? Each state has a statute of limitations for debts....if this debt is outside that time frame, then a couple states actually have a law that makes the debt no longer collectable after that time.

i'm in IL think the debt is 3yrs old. the first time they called i told the lady i needed more info/paperwork. never heard from her again. now i got this letter from an attorney saying they are collecting the debt.

I would still send them a Debt Validation letter. Here is a link for your states' SOL at http://www.fair-debt-collection.com/SOL-by-State.html#14 .

I doubt the letter is from an attorney. Many collectors use letter head and writing to make look official but usually it is a collector that you are dealing with and not an attorney. Regardless it is wise to validate.