January 2002 I sent a validation letter to a CA. I received from them a terrible attempt of validating this debt as mine. Sent estoppel letter in February 2002. 30-day time frame expired recently. This debt was small. I'm talking under $50. I have yet to hear anything from them. They're not reporting the account on any of my reports. Should I bother sending an intent to sue on them (just to create a longer paper trail, nothing really to sue over at this point)? According to a FTC opinion letter, they're not obligated to send me anything telling me they've dropped the alleged debt, (they can basically just walk away from the debt) so it's very possible they've just given up. Any thoughts?
I have a similar situation and they just dissapeared after one validation letter. I had them on several violations too.
Have you disputed it with the cra's if it is reporting? If not, I would now do that. If they verify, that as you know, would be a violation. Just a little more ammo.
So far it has never reported to any CRA. I'm thinking they've just forgot about it. It's a small debt, and what they tried to validate it with made me laugh. I was thinking maybe after they got the estoppel letter they realized its not worth their time and money to come after me, especially when they know as well as I do that I owe nothing. Just wondering if I should spend another $5 on a CRRR.
how can you find out if the CA that is collecting has paid there fees and bonded it the state there in requires it???
bump This is an interesting situation that seems to happen to a lot of us. I would be interested in some of those that have encountered this same situation as to what you did. IF you send the validation and IF the CA has NOT reported it to the CRA's.....what do you do next?
I would suggest that if you send the validation and get no response, and it is not reported to the cra's, then do nothing. Leave it alone. The reason is they cannot do anything else as far as collecting this acct until such time as they do validate it, and this includes reporting to the cra's.
I see your point. I guess I'd just feel better if I had written confirmation from them that they can't validate and they're backing off. Of course, if they did place it on my report (or anyone else in my situation), we'd have some violations on hand against them.
