Got a summons for a debt

What type of debt??

You should have objected and said you could neither confirm nor deny the debt.

Now you will definitely get a judgment and have to pay when you don't even know if this CA is the true owner of the debt.

Have you had alot of hangups on your voicemail? They use those "phone records" as proof that you never returned their numerous calls even though they never left a message. It happened to me from a collector for HSBC. I went to court and lost by this lie!

I haven't sent my answer yet. So, I will deny. I should deny all? It was for a bank. I had an NSF check they covered and then put fee on top of fee for. I do owe that and want to pay that. I just don't think I should have to pay all the lawyer fees since I never even was contacted about the debt. So, I should ask for a DV? I believe they attached at DV already to it, well an answer to a DV. If that makes sense.

I haven't had a lot of hangups on my voicemail. I have had someone tell me to call them, but they don't identify themself and I don't call anyone back who doesn't identify themselves. As far as I understand it, creditors are required to not only identify themselves, but they also have to state what company they are with. At least that is what I have read in my state's RCW's. Am I wrong about that?

To the original poster: You do not deny...you answer that you cannot confirm nor deny without debt validation. Do not give them your social security number; object on the grounds that a legit creditor would have that information. Basically, answer with an objection on any question regarding information that a legit creditor would have.

Thank you for all the help so far. I appreciate it. My question is this: Attached to the summons and complaint was a verification (basically saying this guy is the president of the collection agency and he believes the complaint to be true) and Exhibit A (which is the name of the initial creditor, my account number with said creditor, and the amount owed. So, can I still object and say that I can not confirm nor deny without a debt validation?

Serenity that is not a debt validation. My understanding is this is an NSF check.. Does this entity have front and back of the returned check?

Ahhh, I got you. I understand and they did not provide me with that information. Thank you so much. I will change my answer and ask for a debt validation.

Take a hike Calvin. People here need a "loan" from you like they need a hole in the head.

To the original poster; yes, answer with a I cannot confirm nor deny. You have never entered into contract with this CA and it's up to them to prove you owe them money. Front and back of check would be validation with notarized copy from bank that they handed your debt to them.