Need Help With A Debt Validation That I Don't Feel Was Properly Validated By CA
Date: Mon, 01/04/2010 - 18:23
Hello,
I recently sent a debt validation letter to a collection agency who is trying to collect on my Bank of America credit card. I had asked for an agreement with B of Am. and the collection agency of their right to collect on the debt, along with the original contract with my signature, and complete payment history on the debt. What I received back were copies of 2009 statements from B of A from this account. Do I have to accept this as validation of the debt. There are more than just a year's worth of statements on this account. There was no signed contract or anything about their right to collect the debt on behalf of Bank of America. I had previously been making payments to another collection agency up until September. When I sent them a letter saying I wanted to only be contacted by mail and not by phone they refused and sent the debt on to this most recent company. It does appear the the payments I made to the first collection agency were sent to Bank of America so the collection agency does not appear to own this debt.
Any suggestions on what I do next? I don't think a year of statements validate the debt, but I don't know what my next step should be.
Thanks.
I recently sent a debt validation letter to a collection agency who is trying to collect on my Bank of America credit card. I had asked for an agreement with B of Am. and the collection agency of their right to collect on the debt, along with the original contract with my signature, and complete payment history on the debt. What I received back were copies of 2009 statements from B of A from this account. Do I have to accept this as validation of the debt. There are more than just a year's worth of statements on this account. There was no signed contract or anything about their right to collect the debt on behalf of Bank of America. I had previously been making payments to another collection agency up until September. When I sent them a letter saying I wanted to only be contacted by mail and not by phone they refused and sent the debt on to this most recent company. It does appear the the payments I made to the first collection agency were sent to Bank of America so the collection agency does not appear to own this debt.
Any suggestions on what I do next? I don't think a year of statements validate the debt, but I don't know what my next step should be.
Thanks.
You can check out the following thread. It has good info on what
You can check out the following thread. It has good info on what should be considered as proper debt validation.
http://www.debtconsolidationcare.com/collection-agencies/debt-validation.html
Quote: I had asked for an agreement with B of Am. and the colle
Quote:
I had asked for an agreement with B of Am. and the collection agency of their right to collect on the debt, along with the original contract with my signature, and complete payment history on the debt |
None of that is required outside a court of law. They have properly validated the debt. The balls in your court now.
