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Disputing a debt with a CA

Discussion in 'Credit Talk' started by jimsimm, Feb 22, 2002.

  1. Feb 22, 2002 #1
    jimsimm

    jimsimm New Member

    I had a charged off credit card that had hired a CA to collect. I sent a cease and desist letter to the CA. Then the debt was sold (I believe) to a second CA. This second CA now says I owe about $200 more than I previously owed.

    MY QUESTION is, can I dispute this and ask for proof of the debt if it is more than 30 days after they sent me the letter stating I have 30 days to dispute it? Did I lose any rights by not writing to them within 30 days. (its been about 60 days now)
     
  3. Feb 22, 2002 #2
    Killer

    Killer Well-Known Member

    I'm certainly not an expert but I know the answer. NOPE! You can still validate!
     
  4. Feb 22, 2002 #3
    dfwgt

    dfwgt Well-Known Member

    Yes! You can dispute it anytime.

    I'd send the validation letter to them. What you might also try to do is negotiate with them. See if they'll remove off the reports for a percentage paid (Or even to pay in full). Make sure you get this in writing...


    GT
     
  5. Feb 23, 2002 #4
    lbrown59

    lbrown59 Well-Known Member

    This has nothing to do with your rights.
    Send Val. today!
     
  6. Feb 23, 2002 #5
    lbrown59

    lbrown59 Well-Known Member

    I would not advise doing this unless they actually did a proper Val.
     
  7. Feb 23, 2002 #6
    dfwgt

    dfwgt Well-Known Member

    Agreed. Make them verify it first. But keep the negotiation plan as a last-ditch option...
     

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