From reading from various sources, I am about to 1-2 punch these suckas out but I want to make sure Iâ??ve got everything down to so that I can lay the appropriate paper trail and sue successfully if it comes down to it. Im just a little unclear in how one can use the to catch an OC in a violation like the debt validation act is used for a CA that can be used in court to get a deletion. Specifically, 1. Can an OC that took a charge off and got the tax benefit still collect on the amount. Isnt that like double dipping and illegal in some way. 2. If the OC has never punted the account to a CA and is actively collecting it (letters, phone), are they bound to the debt validation laws even though the collection agents are in house. 3. Where is the applicable statue or law that states that an OC is bound by the FDCPA after 180 days of charge off and they are attempting to collect on the debt. Do I just substitute the Fair Billing Act in lieu of the FDCPA to get the same effect (i.e. verify or risk a violation you asswipes) 4. Ive read of the 1099C and Im assuming its a corporate income tax form but do I request it, cite it, mention it or what. Anyone use it to any effect. I would appreciate any insight or help so I can craft the appropriate verbage and not end up wasting money on CMRR and months only to find out my paper trail is worth nada.