OK - I sent out a DV to a CA last week. Kept it short and to the point -
"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under § 809 of FDCPA, send me validation of this debt.
Just some background info on what's showing up on credit report: (As long as I can remember they haven't sent me a bill from the CA. Could have - just not recently and I can't really remember)..
Date Assigned: 06/2003
Date of First Delinquency: 02/2003
Last Payment Date: 04/03/2004
Balance: $171.00
Today I receive a letter from them (dated February 21, 2008) saying the following:
This is your first notice to inform you that "CA" has been assigned the responsibility of collecting this past due debt. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, the office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, the office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please call to discuss your account. The name and the number to call is Nate at..........
I thought I just did ask for validation!?!?!!? Does anyone have any suggestions on how to proceed?
Thanks!
Message Edited by tuneup on
02-29-2008 06:06 PM
