After 3 requests for validation I finally received a response from CA. They sent me a notarized "Affidavit of Indebtedness". The only information included is: 1)Amount due to CA of $1575.93 (principal balance of $845.89 interest of $730.04) 2)Name of Original Creditor 3) States "Assignee purchased this account from a successor to right, title, and interest to (OC). This account has been assigned, transferred and set over to Assignee with full power and authority to perform all acts neccessary for the collection, settlement, adjustment, compromise or satisfaction of the claim" There is no supporting documentation to support these statements. Questions: 1. As stated in 3) above how can an alleged "assignee" purchase an account? 2.What exactly does this Affidavit mean and how do I respond to it? Any advice would be Appreciated. T-Man
Send the estoppel. They haven't provided any contract or document bearing your signature. Even that may not be enough to satisfy validation Gib
Anyone can type up a letter or statement. I can do the same thing on my computer and have my friend, notarize it for me. What does that prove? It proves that I can type a letter or statement and that I can pay $5.00 (what's the going rate for a Notary these days?) and have the paper notarized. "My" friend wouldn't make ME pay for it, though. ) Follow the advice. . . Send the estoppel
Is FRAUD still considered AGAINST THE LAW? O-h-h-h-h-h-h. . . . That's right. I keep getting these laws mixed up. Creditors are under the FCRA and Collection Agencies are under the FRCA "AND" the FDCPA. But NEITHER ONE OF THEM ARE UNDER THE "CCFA" (CAN'T COMMIT FRAUD ACT)!!!
I have already sent the estoppel. What now? Do I sue? If so should I sue in small claims or U.S. District Court and what are the proper procedures? T-Man
