For example, Joe Blow has a balance of over $7000.00 on a credit card account. This account was bought by a CC company from another CC company. He's received semi-threatening letters from the company recently because he's a few months behind. Should Joe send a validation letter? If so, why? He shows lates from a little over a year ago, when the original CC company owned the debt, and currently, under the current CC company. What do you think?