Debt Not validated withing 30 days?

Well I think Texas is the only state that has specific laws about how long a company has to validate, though there may be others. Basically they don't have to validate at all, just not continue collection activity until they do so. Many simply ignore validation altogether.

Check to see if this debt is listed on your credit reports. If it is, dispute it directly with the credit reporting agency. If the company verifies the account, then they have just violated because it has been established (supported by both other cases and opinion letter) that verifying an account is continued collection activity. THEN you have some teeth with which to bite. You send them a new letter informing them of the violations and that if they don't close out the account permanently and remove it from your credit reports that you will sue them in court.

That is pretty much all you can do if you are not in a state that forces them to validate within a certain time frame.

I am not sure about the paperwork from the original creditor. Does it say who owns the account now? It sounds like they sold off the account. If it doesn't mention the debt collector anywhere I would not consider this validation...heck, even if it did, it would be very thin validation as it doesn't explain the account details at all.

When you say, "if the company verifies the account" are you referring to the CA or the original creditor? What "Other cases" are you referring to? The paperwork said they had written off the account - it did not mention the CA at all.

Thanks for your help.

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Thank you. I appreciate all the help I can get. I'm learning a great deal with this forum.