I disputed a debt with a CA who is acting as a 3rd party on behalf of the OC. The OC recently sent an envelope containing statements. Did I read correctly that statements do NOT constitute validation of a debt?
I would like to know this too, but I was under the impression that they should send you something with a signature.
I didn't think so. So now what do I do? I disputed with the 3rd party CA and the OC sends me this. What can I do now?
What can I do now? Steve880 ====================== The same thing you would have done if they hadn't sent you anything or if you had not heard from them at all.
?s 1*Have you got the green card back from the CA yet? 2*Has the CA tried to collect from you since then? 1*The OC sent statements. 2*Did I read correctly that statements do NOT constitute validation of a debt? Steve880 =================== 1*-2* No statements aren't validation. But it wouldn't make any difference in your case even if they were cinsidered such. You have focused so hard on the statements that you completely missed the fact that the information must come from the CA and not the OC.
This may be a mere technicality, but the FDCPA says that validation is mailed by the debt collector (not the OC).
Yes, the I received the green card back from the CA. The CA has not made any attempt at contact since I mailed them the dispute letter, so I do not have any violations on the CA, yet. I plan to send a letter to the OC citing the "proof" they furnished is not considered proof, as per the Wollman letter. I would hope it would end there, but after reading various threads here, it seems it may not. Is it possible the OC sent me the proof since they are still the reporting agent, or does it not matter, it must come from the CA?
