asked to validate debt 2nd time

Your VD probably scared tehm off and they sold the debt to another CA. Check with the court and see what the status of the suit is. It is possible they withdrew the suit since they could not validate it.

Yeah! you need to find it out first whether there any case against you was filed at all or not. I too share the same view that of my previous poster. They might have backed-off from collecting the loan and now another party is trying to collect it.

however, you need to find out the truth from the court and there isn't any case file against you, simply send another validation letter to the new CA. BTW, how old the loan is? you probably wish to check the SOL of your state too. Good Luck!!

Gilbert

Also, in Texas you have some really sharp teeth to bite them with, courtesy of the Texas Finance Code. I'm gonna ask Goldenbast to have a look at this, she knows the Texas stuff far better than I.

Hi! Ok first you need to do what was suggested earlier, check with your courthouse to see the status of the case. If it has been dismissed then you can send a DV to the new one trying to collect. If not, then you need to send a letter to the new collector telling them that they need to stop all contact with you as they are attempting to collect upon a debt that another CA is already collecting upon.

When did you last pay anything on this account, or when did it default? If it is 4 years or more either way then it is past SOL and you can use that as a defense.

Is this account on your credit report? If it is then you can DV whoever has it listed and they have 30 days to validate the account or they -have- to remove it from your credit report. They MUST stop all collection attempts upon this account until such a time that they can properly validate the debt. If they don't, you can sue them for not less then $100 per violation and you can treble it according to the buisness and commerce code. You need to have specific wording in the DV letter to be able to sue them if they don't comply. It works wonders, I just recently did this with a known collector that is scum and they folded and are paying me a $1000 settlement for me to withdraw the suit. If you need a sample letter with the proper wordage, let me know and I will be happy to provide such.

Your VD probably scared tehm off

I think VD would scare me off too!