Help with Validation Concerns

Yes, a CA must prove to you they they are legally responsible to collect on this account. Further, they must also provide:

-What the money they say you owe is for;
-Explain and show you how they calculated what they say you owe;
-Provide you with copies of any papers that show you agreed to pay what they say you owe;
-Identify the original creditor;
-Prove the Statute of Limitations has not expired on this account;
-Show you that they are licensed to collect in your state;
-Provide you with their license numbers and Registered Agent.

First off, STOP speaking to them via phone. Do so via mail only. Mail a DV (debt validation) letter to them ASAP! See the do-it-yourself area of this site, they provide sample letters.
**In the DV letter. state they must cease all verbal contact with you, and must communicate in writing only.
**Mail the letter CRR (certified return receipt). This will cost you $5, but well worth it! You'll get a signature confirmation that the letter was received.

Please do not speak to a CA over the phone. They will lie, harass, threaten, etc. It is your legal right to communicate via mail only. It's the ONLY was to protect yourself!

Good Luck!

Great advices by the guest. :D Yeah, send them a DV letter asking them to reveal all the mentioned information and don't get involved in any negotiation with them before you get a proper validation of the debt.

Normally, they have to validate the debt within 30 days of receiving the letter.

not so, tweety--the federal law places no time limit on the CA to respond. There is one state--Texas--that I know for certain that requires a response in 30 days, but as far as I know there is no other state that does this. If they waited two years to respond, they would still be legal as long as they didnt try to collect on that debt within those two years, until after they supplied you with the documentation.

Frog, is that you??

Yeah, if they don't respond to your letter they can't collect form you either.

Thank you so much for all your advice - I truly, truly appreciate it?

Just confused about one thing, I want them to send me a letter from the company claiming that they hired them _ Can i ask for that?

Also, I live in Ontario does that differ at all? Would you happen to have a sample Validation letter I can see?

Thanks again - you've really helped me understand my rights.

Ontario, CANADA???? The laws discussed here are US and have no standing in a Canadian court. You would need to check the laws that apply there. A US base CA would still have to follow Canadian laws because US laws have no legal jurisdiction.

Does anyone know where I may start looking - basically all I would like to see is how I should word the letter that I want to send out regarding validation?

Again, any help would be very much appreciated.

Thank you.

go to the Do It Yourself page of the website and there are templates there.

Hi seeking advice, You can get the required help at the following link

http://www.debtconsolidationcare.com/letters/

Customize the letter to meet your requirements. Hope it'll serve your purpose.

If you want a bit more of a strongly worded validation letter you can check my signature link, be sure to send the enclosure with it, certified mail, return receipt requested.

Thanks for all your helpful advice everyone!