The day before receiving the summons I actually sent off "validation letters" to many of the creditors on my credit report. This was one of them I sent to. They had not received the letter yet obviously and had actually filed, according to the "file date" on the summons, several days prior to this. My question is this; since I did send the request for validation, certified return receipt, the day before I was served...can I use this as my rebuttal to the suit? Can I ask that the suit be thrown out or suspended pending the receipt of the validation I requested from the creditor??? Can I use the FDCPA, stating that untill they validate as I requested they must suspend all collection activity, including the lawsuit?