Yeah, not sure why debt validation is a thing here. The lender can send what was posted above, but technically doesn't have to. 3rd parties most definitely don't have to respond.
More than likely, PRA has been retained by Cap1 to collect. They sued me on behalf of Cap1 for $1600. If everything is in motion at this point, you can call PRA's attorney to work out a settlement and payment plan. For the amount you owe, it might be better to hire a consumer protection attorney. Below is my thread dealing with PRA suing me for a different account, so you can get an idea of what to expect in terms of process and payment plans.
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Sued-by-Portfolio-Recovery/m-p/5371551
@Anonymous wrote:Most of what I have read states that many times PRA is unable to verify debts and therefore does not process to filing lawsuits if you request verification. Not only that requesting verification would have provided me 30 days to prepare my next actions.
I just checked my credit report and it seems that it the debt was charged off by capital one so it seems very likely that PRA owns the debt.
Further, a lot of posts I have read discuss very bad outcomes with PRA and advise not to communicate with them by yourself.
Those days are long gone. While they may still buy junk debt, the majority of the time, they have enough documentation to proceed.
You also don't get 30 days to prepare if you mail them. There's no stay because you send a DV letter. They have no legal requirement to even respond. They only have to attempt to mail you notice of taking ownership of the debt while giving you 30 days to contest it. They also don't have to actually contact you when they serve you. An attempt just has to be made. If they can't reach you, they can ask the courts to put it in the newspaper.
As for not communicating with them, I suspect a lot of it has to do with misunderstanding statute of limitations and whether a debt will be renewed. If you're worried about a miscommunication, hire a consumer protection attorney and let them deal with it.
@Anonymous wrote:Thanks for your response and your documentation of your experience. It's hard to believe they're filing these kinds of things right now, especially in NC where there is no wage garnishment for these debts. I guess I'll be attempting to find an attorney.
While there isn't wage garnishments available to them, the judgement can be renewed over and over until it's paid or you file BK. So, if you move somewhere where it's allowed, they can get the garnishment. Don't remember if they can intercept taxes though. I'm assuming so since there was a big hoopla about people not receiving their stimulus checks because they were being intercepted for judgements. They can also have the courts seize your accounts and assets if it seems like they won't get paid.