btw: you would attack the CA under 808(1); that by *THEIR ACTIONS* in determining how they would obtain the validation which they are required to obtain and mail. By transferring interest in the account back to the OC; they subjected you to activities prohibited under the FDCPA in violation of 807(6)(b); being the charging of illegal fees, in violation of 808(1). Then you would have to check your state's CPL to see whether the CPL applies the FDCPA to OCs, if it does, then you attack VZ with violating the states CPL for violating 808(1).
