I have some questions about this validation process. One requests or demands validation and you are sent a signed application and a few statements. Is this total validation? Granted, I asked for all statements, but only received a few. I am not sure that my request for all statments and being sent only a few would hold up in court, on my demands. Signed app and some statements...the judge is going to say, yep your account. In this type of situation, is trying to agree to some form of settlement the best option? In the second case, validation is requested. No signed contract, but a few statements sent. Is this validation? And what is the next step in this? In court, these attorneys say it is a sworn account and get the judgment.
It may be your account, but have they proven you owe what they claim with just a few statements? I think not.
But that is the problem, I am running up against. Judge says, did you have an account with company X? You reply, yes, but I contest this due to these reasons. Collection company collects thousands of debts a year and no one has sought damages for improper conduct of the FDCPA. Judge says, it can be an oversight and awards judgment to collector. I agree with you, a few statements DOES NOT show proper accounting of what is owed. I mean, heck if it is that easy, let me add up a few thousand more in some money owed to me and win it.
