I recently sent validation and a disclosure statement for the collection agency to fill out and two have sent me letters, one says they are still investigating and they will wave further action but if they find the info they will send it continue further collection. The other sent me an account statement to justify the debt, but neither sent me the disclosure statement that I asked them to fill out. What is my next move and will I have legal action if they don't respond with the disclosure letter I asked them to fill out. I think I have them on the ropes.
