MAY 1997 - my husband becomes disabled. We can't make the payments. I send the car back. AUGUST 1998 - they get a judgement against me for $7818. Whether or not I was served, I don't know. We were in the process of relocating to California. AUG 98-FEB01 - I live in California. FEB 01 - I move to MO MAY 2003 - My wages are garnished. I find out when I get my check. Two weeks later, I get a letter from a Missouri attorney saying they are the ones garnishing my wages. They say I now owe over $22000.!!!! SEPT 03 - I sent a letter to this attorney, disputing/requesting validation according to Spears v. Brennan. (I want all the acct. info), as well as per FRCP, the original contract within 15 days, as well as proff the I am obligated to deal with them and not the OC. Today, I get from them a letter stating: DEBT VALIDATION Original Creditors Name: Consumer Portfolio MY SSN Original Acct. No. Charge Off Balance of Account: $1230.97 Interest Rate through today's date: 18.00% Date Debt was purchased: 08-27-96 WTF? They purchased the debt a month after I bought the car? The charge off balance means what? This is not validation per Spears v. Brennan. This is an attorney I am dealing with. Any help on my next move would be GREATLY APPRECIATED!