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What info do I need for debt validation letter?

Letter from a law firm?

  • I have a CC debt in collections. I sent a validation letter to the collection agency. 30 days is not yet up. Today, I recieved a letter from a law firm (the CA turned it over to them) How should I respond to this? I never got validation from the collection agency. Do I need to call this law firm or send them a validation request? Anyone had this happen, please respond.

  • Answer:

    You definitely need to respond to the letter from the law firm. If you don't respond and make payment arrangements, the law firm will proceed with court action to levy your accounts for the amount due. Your bank will have no choice but to comply with the court order in that event and any processing fees charged to you by your bank are not refundable - even if it is later determined to be an error on the part of the creditor. Do not delay responding to that communication. Actually, call first, get the name of who you talk to and follow up the conversation in writing, certified mail/return receipt requested.

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A law firm is just like a Collection Agency. They are a third party, and as such fall under the Fair Debt Collection Act. Yes, you do need to send them a validation letter. One thing you should keep in mind, is that if any of these firms violate your due process rights you are off the hook. Even lawsuits become void. Credit card debt is non-secured. There are ways to simply eliminate it. After all, was a witness sitting across the table when you signed the contract? If the lender is a National Bank, it was not legal for them to issue that kind of credit in the first place. Check out http://credit33.com there is quite a bit of information there that you don't have to pay for.

Curt D

Hi, How old is your debt? Most states have statutes of limitations (SOL) on how long a debt is collectible. You need to find that out before you write to the law firm. If your debt is past the SOL date, you can include that in the letter. Do that right away. If they do take you to court that SOL becomes invalid and you'll have a judgement on your record. Check out the link listed below. There's tons of information and the message boards are full of people who really know their stuff.

urbangal

Now you have to deal with the law firm. I would advise working out a payment arrangement very soon before they file for a judgement against you.

dk

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