Is thisdebt validation?
Date: Fri, 02/20/2009 - 13:39
I had a medical bill for $375 sent to UCB. I sent them a DV letter and heard nothing. Then I got a letter from an attorney affilitated with UCB and sent them another DV. Of note, the same person signed the green card. Anyway, today I get from the attorney an itemized statement that they are stating is debt validation. I beg to differ.
What it is is a print out. At the top is stamped the date of 02/13/2009, the time and Medical Account Serv. Under that in the left hand corner is a name, but not my name, and Medical Accounting Services, Inc. Under that is the Account Detail Listing of the practice name, my name as guarantor, the acct number and then a listing of the fee and my 3 payments. The last entry is External Collection - 1- UCB COLLECTION AGENCY -375.00 and Balance-01/22/2008-Guarantor 0.00.
Then at the bottom is a stamp with the attorney name and the "This is an attempt to collect a debt..." yada yada
No where is my signature, my address, my social. Only my name. I don't consider this validation. Should I send yet another DV letter? Is this proof that the CA owns the debt now? The attorney's name is Alexandria Vaneck Co., Toledo, OH.
Can they sue me with just this "validation?" I've heard these are bottom feeders. I have no problem paying the OC even though they wanted more than the $25 I could afford to pay. Then I lost my job in June and never sent in another payment. Even when I was making payments they were threatening to send me to the CA because they wanted more than the $25 I could afford. I tried to work it out with them but they preferred to send the account to the CA.
I'm now only working part time and I'm afraid if they garnish my wages I'll lose my job because I'm a statuory employee and not a true employee and in these times, I might not be able to find another job.
What it is is a print out. At the top is stamped the date of 02/13/2009, the time and Medical Account Serv. Under that in the left hand corner is a name, but not my name, and Medical Accounting Services, Inc. Under that is the Account Detail Listing of the practice name, my name as guarantor, the acct number and then a listing of the fee and my 3 payments. The last entry is External Collection - 1- UCB COLLECTION AGENCY -375.00 and Balance-01/22/2008-Guarantor 0.00.
Then at the bottom is a stamp with the attorney name and the "This is an attempt to collect a debt..." yada yada
No where is my signature, my address, my social. Only my name. I don't consider this validation. Should I send yet another DV letter? Is this proof that the CA owns the debt now? The attorney's name is Alexandria Vaneck Co., Toledo, OH.
Can they sue me with just this "validation?" I've heard these are bottom feeders. I have no problem paying the OC even though they wanted more than the $25 I could afford to pay. Then I lost my job in June and never sent in another payment. Even when I was making payments they were threatening to send me to the CA because they wanted more than the $25 I could afford. I tried to work it out with them but they preferred to send the account to the CA.
I'm now only working part time and I'm afraid if they garnish my wages I'll lose my job because I'm a statuory employee and not a true employee and in these times, I might not be able to find another job.
Its important to be on your toes when dealing with collection ag
Its important to be on your toes when dealing with collection agencies. You asked if they could sue you with this "validation"--the fact is, they could sue you with no validation at all. Doesnt make it right, doesnt mean they will win, but they CAN do it and sometimes do.
But to answer your question, no, this is not validation. Section 809 of the FDCPA clearly states that they must obtain validation from the original creditor--merely printing out something off their own computer does not satisfy that.