debt validation letter received from CA now what?

Discussion in 'Credit Talk' started by monicat13, Jun 7, 2015.

  1. monicat13

    monicat13 New Member

    I received a letter from CA about 3 months ago. I asked for a debt validation letter within the 30 days. I asked they only contact me in writing. I never received the debt validation. I was called four times, twice at work and twice at home and they reported my debt to credit bureau without getting any validation to me. I waited another two weeks and sent another request for debt validation, estoppel letter. I requested complete debt validation and a contract or statement with my signature. Yesterday I received the fees incurred. it was very thorough but no proof of my signature. I do not agree with many charges on this debt. It was from a lawyer I had two years ago. What do I need to do now? I feel it may go to court.
     
  2. jam237

    jam237 Well-Known Member

    What about the 'many charges' don't you agree with?
    Do you have proof of when they received the letter?
    Did they report to the CRA AFTER receiving you letter, or before?
    Is the alleged debt over $1,000?
    If it was me, and I had proof of their receipt of the letter. I would send a letter with a complaint drafted to sue them for continued collection activity, and communication via inconvenient means, seeking $1,000 in damages.
    I would also challenge every charge that I don't agree with, in writing.

    The validation does not have to have your signature.
     
  3. monicat13

    monicat13 New Member

    The debt is $3400. I received the debt validation after they had already reported me to the CRA. As for the charges the lawyer said I incurred over two years ago, there are some I dont believe were incurred like 30 minutes for a two sentence email on several occasions, little charges like that that added up. I did send certified return receipts and have proof of them receiving both letters.
     
  4. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Hey monicat13, I'm curious if you ever made any progress with your dispute of these debts. Would you be willing to come back and share what your experience has been? And if you have other questions, I'd be happy to try and help from this point forward.
     
  5. jam237

    jam237 Well-Known Member

    monicat, did they report it to the CRAs before you had sent the letter. (It's an important detail. If they reported it the day they got the account, then send you the letter, then they only have to UPDATE the account as disputed the next time that they do an update to the CRAs; however reporting it for the first time, AFTER they've received a validation letter, and before they've obtained the validation and mailed it to the consumer, is a violation because they are performing actual activity.)

    Unfortunately, the lawyer may have a clause that the minimum billable time increment is 30 minutes, so if they have a 1 minute phone call, or they send a 1 word e-mail, they've done 30 minutes of billable time.
     

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