they have to validate, but if the debt its yours there is nothing you can do they will verify it, but
1. pay them
2. GW letters
they dont really need to reply for a pay for delete..
anyone correct me if im wrong please
i think only one that have to validate debt are collection agencies, but if you owe them.. just pay it and keep on.. FIRST PREMIER BANK its a pain to deal... i have a charge off with them.. trust me they will not do a pay for delete... unless youre really lucky..
Both the federal DV process and the TX state versioh apply only to debt collectors, not OCs.
OCs establish the validity of a debt via their prior billings, which are their statement that the debt is considered valid.
Texas Finance Code, Title 3
"Sec. 392.202. CORRECTION OF THIRD-PARTY DEBT COLLECTOR'S OR CREDIT BUREAU'S FILES. (a) An individual who disputes the accuracy of an item that is in a third-party debt collector's or credit bureau's file on the individual and that relates to a debt being collected by the third-party debt collector may notify in writing the third-party debt collector of the inaccuracy."
Debt validation is only for 3rd party collection agencies no matter where you live.
You can do a direct dispute with the OC, which does fall under the FCRA. And they do have to respond or they are in violation.