Debt Validation Question
Date: Wed, 03/03/2010 - 10:57
I had a collection agency call me (they didn't tell me they were a collection agency or give me the miranda). They girl just bascially said "this is regarding a bally's account and they want to know if you want to settle out of court?"
I told her I would need information and validation on the debt because I would need to check it with my personal records. She was nice about it and said she would send it out.
However, I have had to call their off 2 other times now to follow up regarding the information being mailed to me and both times (on recorder) I have got her admitting to not sending it out yet and that she would send it out right away.
The first conversation with her was Feb 10. I spoke to her for the third time, last night, March 2.
It's obviously been past their 5 day time line of sending out the information upon initial contact with the debtor.
Do you always need to request the validation by certified mail?
It is not that you "have to" do certified. However, how do you
It is not that you "have to" do certified. However, how do you know they own debt if you do not send debt validation? Also, by sending certified mail with return receipt requested you then know they received it.
It is all about protecting yourself.
I understand that. However, if you are engaged in a conversation
I understand that. However, if you are engaged in a conversation with the debt collector and you are requesting debt validation directly there is no question that they are receiving your request =) It's being verbally communicated in real time conversation.
Quote:Originally Posted by Kitty MarieI understand that. However
Quote:
Originally Posted by Kitty Marie I understand that. However, if you are engaged in a conversation with the debt collector and you are requesting debt validation directly there is no question that they are receiving your request =) It's being verbally communicated in real time conversation. |
However, it's your word against them unless you recorded it.
I do have it recorded and I have her on another recording apolog
I do have it recorded and I have her on another recording apologizing for not sending the validation to me "yet".
Quote:Originally Posted by Kitty MarieI do have it recorded and
Quote:
Originally Posted by Kitty Marie I do have it recorded and I have her on another recording apologizing for not sending the validation to me "yet". |
Perfect!
Kitty Marie, Have you looked into your state rules for recordin
Kitty Marie,
Have you looked into your state rules for recording a conversation with a debt collector on the telephone, I suggest you do and hope that it is legal in your state. It is highly recommended and best to have all validation letters requested via certified letter, it is recommended that interaction with collectors be done in written form as opposed to oral form, this will help avoid many headaches in the future.
It would be a lot easier to produce paperwork in court than a re
It would be a lot easier to produce paperwork in court than a recording. Also, should it appear on your credit report you can notify them that the debt is disbuted - you' have to send them a copy of the paperwork.
