Debt Validation

You can ask for validation in discovery, at least in a court case. Not sure about mediation, don't know anything about it.

i need help with a collection company!!!i am sorry i am new to this what is a cease and decesidt letter and what does it do? and for the validation letter what happens?? sorry for all the questions but i have an agency called simm and associates calling and i dont know for what nor are they telling me.

A cease and desist letter demands that you not be contacted by phone, only by usps or e mail if that is your choice. We use it so we are not called a million times a day at home and at work.
When you request validation of a debt, all collection attempts must stop until proper validation is recieved.

where can I find a copy of these?? is this just a letter i write??

There are sample letters in the do it yourself section. Basically you want to combine the cease & desist and DV letter into one letter, asking the company for validation and restricting communications from them to mail only. By law they have to stop hounding you until they provide proper validation, which would be statements, signed agreements or contracts. You want to make sure they are legally able to collect on it, you want to make sure it is not SOL (out of the statute of limitations) and that the amount is correct.

thank you!!! does this mean it will automatically go on my credit history? and where can i ge my credit histoey?

It may already be on your credit report, but if you DV them before it is on there, they can't report it until they validate.

You can get a free copy of your credit report once per year from the 3 reporting agencies.