I had a CC account that was just charged off in sept 03. I got a call in oct from NCI saying they're collecting this CC debt 'on behalf of' sherman aquisitions. I told them i wanted to keep all communication in writing. I NEVER GOT A LETTER FROM NCI OR SHERMAN. So just the other day I get a letter from an attorney saying they're collecting on behalf of Sherman Aquisitions for this debt. Does this mean NCI is out of the picture? I've already sent a validation demand to the Attorney. Should i also send validation to Sherman and/or NCI? (there's nothing on my Experian report from anyone...yet.) also: ~Did Sherman do anything illegal by not dunning or calling me before having an attorney contact me? ~Did NCI screw up by not sending me a letter after they called me? the reason i ask, is this quote by LKH: "What the FDCPA says is that a ca must send [a letter] within 5 days of their initial communication with a debtor. But if there is no initial communication, they need not send anything." its from this thread: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=49085 thanks for any help.
