Debt validation is a great tool all consumers have in their possession to use against unfair debt collection. Debt validation forces a debt collector prove you owe the debt they are trying to collect. How to Request Debt Validation Send the … [Read more...]
A debt collector contacts you regarding a debt. How do you know this is your debt and that you actually owe the collection agency? Make debt collectors and junk debt buyers prove you owe them. What if the debt has already been paid or perhaps the … [Read more...]
Question: My mother had a credit card debt sold to a junk debt collector. We sent a certified letter requesting that they validate the debt. They never responded and have since sold the debt to another junk debt collector. Do we just continue … [Read more...]
Most people would be appalled at the thought of a total stranger calling out of the blue and demanding money. It is absolutely absurd. But this is what occurs when a junk debt buyer demands payment for debt and; unfortunately, many people pay … [Read more...]
Question: I received a letter in the mail from a debt collector I contacted them by phone and asked what I owed. She gave me the amount i owed and stated they would settle for a grand left. I informed her I would look into it and contact her back. … [Read more...]
Question: I am being taken to court by a collection agency law firm for a debt that I have disputed several times. I was first sent a letter that said there was no record of the debt. Two years later, 8 mos. after disputing with the lawyers, I … [Read more...]
Question: I requested debt verification within the 30 day time period. I never got a verification of debt. The debt collector then served me a summons. Can they sue me without providing the verification of debt first? I am going to file a motion … [Read more...]
Question: I sent a debt validity letter to a collection agency they sent back a piece of paper stating who the original creditor was, what the amount was and what the amount is now. I again sent another letter disputing the debt and asking for … [Read more...]
Question: I sent in a request for debt validation to Harold Scherr Law Firm who represents CACH, LLC. They are collecting on an MBNA card. They called me about 90 days after I sent the letter seeking payment. They said it was an error by the … [Read more...]
Question: I gave a car back to finance company. It is in collections. I sent 2 certified letters to verify debt. I wanted to know how they reached the amount that I owe. I requested to see proof of calculation and how they reach that amount. I did … [Read more...]
