Hi,
I got a letter from JA Cambece last year and I sent a Debt Validation request in a certified mail with return receipt request. I received the receipt and I still have the copy. But JAC did not validate my debt till now.
Yesterday I got another letter with the following details:
Dear xxx,
As you know from our first letter, we represent ANJ, INCORPORATED. After further review of your account our client has decided to approve you for a temporary minimum monthly payment arrangement.