Debt Validation

Date: Tue, 01/15/2013 - 12:32

Submitted by anonymous
on Tue, 01/15/2013 - 12:32

Posts: 202330 Credits: [Donate]

Total Replies: 7

I sent a debt validation letter certify to an Attorney who is a third party collecting on a debt. The debt is no longer on my credit report. When I got the valdiation from the law firm. The original document wasn't sent. The firm only provide me with a regular copy paper type with my information; name, address, ss#, creditor who had the loan, and it wasn't the original creditor. This debt had been sold maybe three to four times to different creditor. Would this be a validation? Being that I wasn't provided the original nor promissary notice.

Nope. This is not the proper

Nope. This is not the proper validation. They ought to have provided you with the original notice.

lrhall41

Submitted by anonymous on Tue, 01/15/2013 - 20:18

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Who is the creditor?? Are

Who is the creditor?? Are you sure the debt has been sold? Could it have been assinged?

lrhall41

Submitted by SOAPLADY on Wed, 01/30/2013 - 19:25

( Posts: 17315 | Credits: )

Who is the creditor and how

Who is the creditor and how old is the debt? Is the attorney located in your state??

lrhall41

Submitted by SOAPLADY on Wed, 01/30/2013 - 08:10

( Posts: 17315 | Credits: )

GE Credit, have no way of

GE Credit, have no way of knowing if the debt was sold or assigned. As stated, their idea of a validation letter is virtually the same as their original contact letter ie: amount, and original creditor. Nothing to prove they are owners of debt or authorized to collect.

lrhall41

Submitted by anonymous on Sat, 02/02/2013 - 20:44

( Posts: 202330 | Credits: )

They are not required to send

They are not required to send you anything to prove that they are the owners or are authorized to collect the debt...there is absolutely nothing in the FDCPA that requires this. Hopefully you did not send the horrible DV letter off this site...there are so many errors in that letter.

lrhall41

Submitted by SOAPLADY on Sat, 02/02/2013 - 20:57

( Posts: 17315 | Credits: )

Yes, the law firm doing the

Yes, the law firm doing the collection is javitch/block/rathbone and they have a office locally. The debt is only a couple years old so still within the SOL. From what I have read on this forum JBR is not a pleasent firm to deal with.

lrhall41

Submitted by anonymous on Wed, 01/30/2013 - 15:10

( Posts: 202330 | Credits: )

Useless DV reply

Sent in a request for debt validation letter after reading posts on this forum. The law firm/collection agency replied with a letter that stated the same thing as the original letter that stated they were trying to collect a debt; name and address of original creditor, what they say I owe. Nothing regarding who owns the debt or what right they have to collect/act on behalf of creditor. They also did not reply to my question as to what right they had to run a hard credit check on me before I was even contacted by them. Can anyone suggest how I should respond? I did invoke arbitration in the DV letter I sent.

lrhall41

Submitted by anonymous on Wed, 01/30/2013 - 07:42

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