Here's the deal. Sent Validation to CA on 9/3. 30+ days later, no response. Sent 2nd validation, giving them 15 days, on 10/17. Response received on 10/30. Response is a list of Accounts Receivable and Payable on my girlfriend. It lists what was done and how it was paid. Most of it says "personal check". Is this validation? The CA has yet to report this as "disputed" to any CRA. The ledger has "This is an attempt to collect a debt and any info will be used for this purpose". Is a check to pay for services in the past enough to validate the date as yours? If not, I think I can bust them on not replying to a response for validation, continuing to report erroneous information, failure to notify CRAs that account is in dispute and whatever else you guys can think of. Let me know. I'm willing to show you the document if it will help via e-mail. Thanks in advance.
Let me clarify my questions: 1. Is this legal validation? 2. Isn't it a violation that they have not reported as disputed to the CRAs? 3. Isn't it another violation that they have stamped, "this is an attempt to collect.." on the ledger they sent when proper validation has not been supplied? 4. If they can provide checks from my girlfriend showing that she's paid for previous treatments is this enough to prove the debt is hers? This is a medical collection by the way.
Medical collections are easy to validate. If the account ledger is correct, all they'll need is a statement from a healthcare provider than on a particular date, a particular service was delievered and not paid for and that's all they'll need to convince a judge {if it gets that far}. As Whyspers has pointed out several times, since insurance companies will accept a comptuer printout as proof of health care services, courts will as well. I'd say they've a strong argument that they validated.
