verification of debt question

You can check out the following discussion on what is considered as proper debt validation. Hope you would find it useful.

http://www.debtconsolidationcare.com/collection-agencies/debt-validation.html

I know what case they are referring to and many CAs refer to it completely out of context...if it is in fat the one, it states that "no other verification is required" it is because earlier on in that case it stated that they had provided validation already and did not need to do so again.

Also, you want validation NOT verification. It is true that the laws can be ambiguous on what constitutes proper validation, but the law is crystal on providing validation during Discovery in a court case and that you can ask for a whole huge list of stuff from them and they would have to provide it in court....point that out.

BTW, since you have asked the collector only to verify the debt, then the documents provided by them should suffice. But if you want validation, send them a proper validation letter. Debt validation is explained as disputing the debt amount with the collector under FDCPA.

You can check out the following link for information on debt verification.

"http://www.fair-debt-collection.com/searches/verification-of-debt.html"