I need a transplant, have diabetes that gave me kidney damage, a liver condition that disqualifies me for a transplant, and am bi polar. I had had a part time job but lost it and couldn't keep up anymore with the increased payments. The bill is for $3500.00 I had a 794 credit score and now it looks like a 585. I own a house, and my 2 cars are paid for but this is eating me alive cos I always pay my debts. I had a car accident and tons of medical bills that got me behind and lack of part time job. I am having a hard time and am very disappointed in myself and my current standing in life. They sold the alleged debt to 2 debt collection agencies before NCO. In the attempt to make this as simple and clear as possible: I researched and found out about Debt Validation. I worked as a paralegal for 3 years and consulted with the attorney I worked for. HE doesn't know alot about this stuff and I am a real mess right now emotionally, lots of medical appointments which are really hard to face, fiance unemployed and i can't find a part time job either. I sent NCO a debt validation letter but of course they NEVER responded. 1. Is this a violation of Fair Debt Collection Practices Act? Does their simply not responding to 1 DV letter constitute an actual violation? ($1,000) 2. American Express has put this on my credit report. Seemingly the credit agencies say they have validated the debt. I am confused. Seemingly NCO has NOT POSTED anything to my credit reports, however AX has. Can AX put negatives on my credit report when they have sold the account , and who they sold it to has not validated the debt? Please explain. any notations to case law and any law/fair debt collection practices acts, etc would be great. Your time and assistance is greatly appreciated. Maybe some peace in my heart.