What Purpose Is A Letter Of Validation

You are not appearing stupid. We all needed to learn. It is to be sure that the debt is yours and correct. Yes. by law they must provide the validation. All collection proceedings must stop until the debt is validated.

Hmmm. That's helpful. I've recently had a bill turned over to a collection agency, the bill was for a whopping $21.00. It was originally for $18.72. I was so stunned when I saw the letter from a collection agency for that small of an amount, it was basically an oversight on my part, and I had actually sent in a check to them recently, just before I received this letter. I marked my check 'Paid In Full' and sent it to the company I owed, and not the collection agency. I hope they will accept this and not pursue it with this collection agency for the difference. Jeez, I am still stunned they took this route for such a small amount. lol

makes no sense at all.

I do have several other items in collections at this time, I just needed to find out if sending them a letter of Validation would delay any court appearances, or garnishes for now, until I am able to figure out what I am going to do. I know I am unable to pay these bills, as my income has taken a drastic cut. I appreiciate the info. What if these CA's are unable to provide me with the requested information, where do I go from there?

Welcome to the community :D I locked your other duplicate thread so you can find all your replies in this one. I would make sure that the money was put toward your account and that it is marked paid in full-try to get a letter from the oc.

In debt validation- if they prove it is your debt and the amount is correct and they are legally bound to collect, then you can set up payment arrangements. The problem with some CA, is that they claim to have your debt, post the wrong amount, etc., and it is wrong--so like Kash said, you need to make sure it is yours.

Feel free to ask questions..karen

Of course that does make sense. I honestly can't remember the name of the collection agency at the moment, and I am in a place where my papers aren't accessible to me, but, I recently received calls from a credit card company (Capitol One), actually it was a collection agency they hired, and they threatened to have my job. She was rude, and yelling at me over the phone, at work. She called me 3 times in a row, after I had told her DO NOT call me at work. Then she demanded my bosses name and number, and said she was going to get me fired. I really hardly got a word in edge wise, except to try and negotiate a payment plan, which she declined, repeatedly, she demanded the full amount. She had me so upset, I could hardly see straight, let alone work. There seems to be absolutely no reasonaing with that CA. So, I thought maybe a letter of validation would be a start?