In reference to my other posts about the lawyer letter I got. The first time I called I got hung up on cause I couldn't pay what he wanted, told him I would call back when I got the money for the 70% settlement. Well I called today and asked them to mail me a letter stating that they would offer the 70% settlement and he told me he couldn't. He said he could fax it, I told him I couldn't get to a fax and he didn't believe me. I really don't care who does or doesn't--I can't get to a fax! I asked him why he couldn't mail it to me he said they wouldn't have enought time to mail it and receive payment by the 30th. I asked why the 30th is so important and he said that the date our client put forth. By the way they mysteriously don't have phone number to said client for me to contact. Something doesn't sound right with this to me. So I told him to mail me something on June 1st and he said it doesn't work like that, this has to be dealt with by the 30th. I wanted to ask "or what" but I didn't. He asked why don't you just do a payment by phone and we will mail you a letter saying settled. I laughed and told him I wasn't paying the 70% until I had something in my hand stated that's what they agreed to. I told him to just send me something showing me what they want me to pay and he said ok $1180(which is the full amount) and confirmed my address and hung up on me. I'm sending a validation letter today. I'm still confused why I need this since I know the debt is valid. The original letter from them had original creditor and account number, amount, new creditor FV-I, INC and account number all on the law office letterhead. Would that be considered validation. I don't think it's right that they don't give me the FV-I, INC number since I've never heard of them. Does something sound fishing to you guys? What should I do next. I'm willing to pay the settlement but not before I receive the offer in writing. If they take me to court how will this look to the judge. SOL will be up 1/09.
Validation must come from the original creditor. The reason you ask for it even in the face of a debt that you know is yours, you want to make sure the CA still has the right to collect.
The original creditor sold the account which was resold and resold again. Does this mean that the lawyers office will have to contact the original creditor and then provide it to me?
If they decide to sue me and this goes to court what kind of information should I have with me to show them that I've been trying to settle with them. What would they send to me indicating that they are going to sue, what kind of correspondance should I look out for?
"I've been trying to settle" isn't exactly a defense. If they threaten to sue and don't, that's really arguably a violation of the FDCPA. So I'd watch out for such things as, "We are going to sue you if you don't pay us."
