No response to debt validation letter

Date: Thu, 04/07/2011 - 21:17

Submitted by okterrific23
on Thu, 04/07/2011 - 21:17

Posts: 19 Credits: [Donate]

Total Replies: 8

In December I sent a debt validation latter via certified mail to Fredrick Hanna & Associates. And never heard from them. They stopped all communication as soon as they received my letter. So from what I learned they can NOT pursue me anymore and that I should dispute this with the credit bureaus? But I also read elsewhere that a collection agency can sell the debt to another agency, and then still owe the debt. :confused:

Since they have not validated the debt, you can send them a Ceas

Since they have not validated the debt, you can send them a Cease and Desist letter. You can dispute the item with the credit bureaus now. Yes, it is true that the collection agencies can dell the debt to another agency also. But they can do that when you really owe the debt. If you don't owe the debt, then there is no point of selling the account to another collection agency.

lrhall41

Submitted by Good Nelly on Thu, 04/07/2011 - 21:48

( Posts: 2846 | Credits: )

I just looked at two of the three credit reports. And I do not s

I just looked at two of the three credit reports. And I do not see anything regarding any collection agencies. So I would dispute the original debt then?

lrhall41

Submitted by okterrific23 on Fri, 04/08/2011 - 08:08

( Posts: 19 | Credits: )

No, you would dispute FJH. Since they aren't showing you should

No, you would dispute FJH. Since they aren't showing you should be fine. Unless you do dispute the actual ORIGINAL debt. But that's not how I understood your original situation. Do you dispute the original debt?

lrhall41

Submitted by OhioGal1 on Fri, 04/08/2011 - 08:24

( Posts: 5253 | Credits: )

Original debt just shows as "charged off" or "transferred/sold".

Original debt just shows as "charged off" or "transferred/sold". There is no collections on file.
I have a feeling that FJH sold the debt to another company, because I've been getting calls from another collection agency. If so, this would be the 4th collection agency to take on this debt.

lrhall41

Submitted by okterrific23 on Fri, 04/08/2011 - 08:41

( Posts: 19 | Credits: )

Yep, that's how it goes. Just keep requesting validation from e

Yep, that's how it goes. Just keep requesting validation from each new CA. If they can't provide it, they'll sell it off. Eventually, it will fall off your credit report. So, do you owe the original creditor still? Have you tried reaching out to them to pay it off?

lrhall41

Submitted by OhioGal1 on Fri, 04/08/2011 - 09:11

( Posts: 5253 | Credits: )

watch out for a lawsuit from FJH

lrhall41

Submitted by anonymous on Fri, 04/08/2011 - 09:41

( Posts: 202330 | Credits: )

I think the original creditor sold it off. Once it goes to a col

I think the original creditor sold it off. Once it goes to a collection agency, the original creditor has nothing to do with it, right?? This was a debt I took on for a friend. So I really don't want to pay it, he said he would take care of it, but hasn't yet.

lrhall41

Submitted by okterrific23 on Fri, 04/08/2011 - 10:23

( Posts: 19 | Credits: )

If you took the debt on for a friend unless you put it under you

If you took the debt on for a friend unless you put it under your SSN , you are legally not liable for it. My spouses's ex is playing this game now. Telling credit agencies he was supposed to pay some debts (about 40K) per their divorce decree, we have the same notarized copy she does and if he had that much debt, I would have never married him! Now even though the debt is under her SSN, my spouse is being taken to court for these debts. I can't wait though...its not his SSN, we have documents so I hope the debt collector all rot in he**!

lrhall41

Submitted by anonymous on Fri, 04/15/2011 - 19:21

( Posts: 202330 | Credits: )