A CA just validated that a debt is mine and sent print outs, its an old medical bill for $1454. With the proof they sent a letter saying my balance is $1900. Now that I know that the debt is mine, what should I do? I am not paying them the extra $500 dollars they tacked on. Would I be better off to send a settlement offer to the original creditor or the CA? Thanks for any help! April
As Christi said, is it valid proof. Did what they sent you contain anything with your signature? Or, was it just a computer printout of what they claim you owe? If no signature was sent, they did not properly validate the debt.
Find the FTC staff opinion letter from "Wollman" (I believe not positive) In that letter he states that a computer printout is NOT validation. Print that letter and send it with the estoppel, or just send the estoppel.
I agree, a print out does not provide validation. I could make a print out at home that says you owe me 1900.00. Because this is medical ask that they provide you with your signature on something stating that you agreed to pay them for services you DO NOT remember ever receiving.
<PRINTOUT> ****************************************** Dear alee1323, Hello. My name is Smitty. You owe me some money. See? 2/27/2002 ITEM QUANTITY COST _______________________________________________ PILL 1 $1454 MY_CUT 1 $500 _______________________________________________ TOTAL (today) $1954 Please accept this as proof Smitty Bobo Rooty-Poot Collection Agency ****************************************** So, alee... you gonna pay me, or what? Smitty Not only is life a bitch, it has puppies!
I cant find the EXACT letter but here's the link to ALL the letters (FDCPA), read through you'll learn alot. http://www.ftc.gov/os/statutes/fdcpa/letters.htm
Holy crap, I just got a letter from some outfit called the Rooty-Poot Collection Agency! Should I give them my bank routing and checking account numbers? wajaba
If you will pay me 1900.00 dollars I will send you a computer print out.How Does That Sound???? Can I Count on You To Give Me $1900.oo ?
Okay, enough is enough. I admit that I didn't know how this stuff worked, that's why I came here to get help. I DID NOT come here to be made fun of.
Disregard the smart alecks, alee, they probably don't mean to make fun of you, and if they do mean to, they're the ones with issues, not you. You are in the right place, feel free to ask anything.
