Collection reply on Debt Validation now what?

Since they have send you an "An Affidavit of Sale", I think that they have validated your debt. However, I do feel that you should also ask them for a statement of your payment history. It will reflect a break-up of your debt including your late fees and other charges.
You can negotiate with them for a payment plan and pay off the debt.

How do I approach on negotiating a payment paln? What would be the best way to approach this and any sample letters I can use? Been reading articles that I can probably pay 30% of the total loan if I am agressive enough

you need a receipt of sale that shows who they bought the dent from.re-send the original letter with a revision stating that to you this is not sufficient.

You can use the sample letter below for negotiating debt settlement with your creditor.

I closed this because it there were 20 spam messages just today.