Quick Question

i always assumed that if you do not respond in thirty days than it is a valid debt. however i would send it out anyway.. sometimes they than validate or turn it over to a different company. give it a try..

you always have a right to dispute,but if done out of the 30 day window.they don't have to cease collections.within the 30 days.they do.

Oh ok cool, that was me above. Thanks for your reply. Second question is ... if it goes to court, do they still have to provide evidence the debt is valid in court, or does the judge assume that since it has reached that point it is valid?

Innocent until proven guilty. The creditor/plaintiff has the burden of proving the debt. And your failure to dispute the debt or request validation cannot be considered any court as an admission of liability by the consumer, according to the FDCPA, 15. U.S.C. sec. 1692g(c).

Thanks Sarah for your info.

I had to close my joint checking account in 2008, due to a seperation with my husband. I had 8 payday loans. They have turned thede over to coolection companies and they said they are going to file criminal charges against me and they are going to sue me also. I have tried to work out a pyamnet plan with them but they want me to pay more and I cant afford that.

guest, perhaps you should start a new thread and include company names, how much was borrowed, what was paid back and what state you are in.
we will than decide the best game plan for you :)

Has anyone heard anything about Western Capital in Buffalo New York?