Dealing with MCM

Hi there,

I have a question. In 2003 while living in Texas (currently in Nevada) I had a credit card through a company called Aspire with a $300 limit. I paid this account at the end of 2003 and left it at that. In November I received a letter from MCM saying I owed somewhere in the area of 900 dollars on the account. I decided to send them the following letter in early December:

Dear Sir/Madam,

This letter is being sent to you in response to a notice sent to me on November 27, 2007 in regards to Account #*****. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

In accordance with the fdcpa, I have the right to request for a validation and you are required to verify the validity within 30 days. This is asking for adequate proof regarding this and verifying the same.

You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch on my credit report. You are supposed to stop all collection activities including reporting this information on my credit report. I'm sure you are aware of the fact that non-compliance with this request will lead to legal ramification.

Please attach copies of the following with the reply:
1. The agreement which authorizes the creditor to collect debt on the alleged debt.
2. The signed agreement from the debtor conforming to pay the creditor.
3. The documents regarding the payments made on this account validating the amount.
4. Prove the Statute of Limitations has not expired on this account.
5. Documentation that you are licensed to collect in my state.
6. Provide me with your license numbers and Registered Agent
7. If you are unable to provide these documents, reply with a letter of deletion for this account.

Please respond with the requested information within 30 days, as required by law. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. If you are unable to provide any or all of the documentation requested I ask that you send me a letter of deletion so that I may have this cleared from my credit report and that all attempts to collect this supposed debt are ceased. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. All future communications with me must be done in writing and sent to the address noted in this letter by USPS.


With regards,


About 3 weeks later I received a listing of charges on the account and nothing else. No agreement, no payment history, and no licenses for my states. I've made numerous attempts to call them, all to no avail.

What should be my next step?