OK. I finally received the response to validation request I have been asking for from a CA. They sent me a month-by-month accounting of the debt from the original creditor, plus a few receipts. Two receipts actually do have signatures, although one is a returned item, but the rest (10 in all) do not have signatures. They did not send a signed agreement. I am trying to think what to do next and I've decided these are my options: 1) send response to validation - tell them what they sent isn't enough and that they need to show proof of a contract. Are the signed receipts enough? 2) offer a settlement for deletion - Either 25% of total or offer to pay for the net amount owed from the SIGNED receipts. I have a feeling they won't go for the latter since it is only a fraction of the debt. I just don't want to screw this up - I don't want to admit to something (by making a settlement offer) until I am sure their is no other option. On the other hand, I really want to be done with this and get it off my report. Maybe you guys have some ideas on this - I am spinning my wheels on this one.
Part of your settlement offer should state: "I am not agreeing that this is my debt nor that I am responsible for these alleged monies owed, but in the interests of resolving this issue, I am willing to offer X". or words to that effect..... Dancer
