need help with Asset acceptance

FDCPA gives you the right to question the validity of your loan .you are entitled to receive dv certificate from the collector. So send them a dv letter first.

be sure to send them a certified letter requesting that they validate the debt. if you need a template to use for a DV letter, you can find many on the internet--just type in debt validation letter' in the search window above, and hit enter. In our do-it-yourself section of this forum, there are sample letters there too.

But this is important--send it certified mail, return receipt requested. that way, you will have proof that they signed for it and received it. Once they get this letter, they are required by law to stop all collection efforts until they provide you with the validation. if they dont, you will have them on a violation of federal law and you can sue them for the damages. Above all, do NOT agree to ANYTHING about this debt, Do NOT agree to make any payments, and do NOT provide them any bank information. tell them that they are required to validate the debt and there is nothing further to talk about until they do that--unless, of course, they wish to discuss with you the lawsuit they will be facing if they wish to continue breaking federal laws....