Does anyone know if I can use some of the sample letters for a Canadian collections issue? I got a letter last week from a CA stating that I had a debt from Columbia House and they offered me a settlement. I called them up (little did I know...) and asked for proof of debt. They told me repeatedly that they did not have proof of debt, nor did they have to provide it. I'd like to send them a validation of debt letter, but I'm not sure if the wording applies to Canadian laws. Does anyone know? TIA
