Debt validation

You actually have 30 days to respond, but I would send them a DV letter anyway. It may be too late, but it won't hurt to request full debt validation..Karen

You may also want to check what the collection laws are in your state. This is the part that gets confusing for me as well. Do they legally own the debt at this point?

The only time restriction on validation is ceasing collection. Consumer has the right to validate at any time. If done in the 30 days collections must cease.

Fed,
If you are going to court speak with an attorney regarding discovery process.You can get stricter proof on discovery versus validation.

Thanks cajun, appreciate it, Yesterday I got something in the mail from them, thought maybe it was gonna be something good. Well, it was a privacy notice, like I am one of their customers or something. I get this stuff from my bank, my car payment, my mortgage, not my collector!, jerks

What is the discovery process?

Mishele,
The discovery process is a step followed in a court case.After they file complaint and you answer.Usually next step is discovery. They will use it to try and trip you up and you can use it to force them to provide proof of evidence they intend to use to prove their case.

Cajun,
Do you know where I can do any reading on discovery online, if so, please post the web page for me. I will be back later, my eyes are tired. Had a long day at work.

Fed,
You can start at your home states web page.Do a search for civil code & rules of civil procedure.You can probably find books at your local library.Good luck.

Thanks again cajun, I am finding some real interesting stuff on on discovery. Just have not found an example letter to you. Can I just write them and request that they send me all supporting documents in evidence that they have accumulated in this case? Can it be that simple or is it more involved?

Is there a time frame once you are served for them to actually take you to court or can this pending lawsuit linger over you head for a long time? Who sets the date, the court or do the ones suing you have to respond to your answer first? I sent my answer last week and filed it with the court on 3/2, still haven't heard anything.

Discovery is actually a legal process. You would have file a motion with the court.That is why I mentioned attorney. You may be able to pull case files at court house for examples. They are public record once they are filed.

The attorney that I have looking into all this called yesterday. He left me a message but by the time I got home, it was too late. I will be in contact with him on monday to see if I have a counter suit or not.

Remember to follow up with as much discovery as you can.The nice thing about it is if they fail to provide evidence and attempt to use it in court,most of time it is inadmissible.