I have heard that validation is a process used to validate a debt under the FDCPA. I am wondering if validation, or something like it, can be used to send to Original Creditors regarding Included In Bankruptcy accounts? FDCPA = Fair Debt Collection Practices Act.
Why would that wake them up when they are not obligated to validate under the FDCPA? FDCPA pertains to 3rd party collectors 99% of the time.
You will find that OC validation is tedious and frustrating. You really need to burn out your disputing possibilities thru the CRA's first. The question is what do you hope to accomplish? OC validation has only 2 practical goals...either setting up for a lawsuit cause its so easy to get violations, or just get them to fix iib's reporting as chargeoffs. Your toolkit will include PFB and BBB complaints because often letters including CRRR get ignored.
Interesting response. I have several IIB accounts that are not going anywhere with the CRA's. What do you think can be done about IIB accounts using Planet Feedback?
Re: Re: Validation with OC question What are IIB accounts????? BTW there is a "PROVE IT OR REMOVE IT" letter in the library!!!
PFB is only good for helping fix tradelines which are reporting Charge Off because the creditor is too f---- stupid to know they were discharged in BK. You can accomplish same as PFB by writing to Office of the President at your creditors corporate HQ. Never write to the PO Box listed on the credit report. Those are hardly ever answered. OC validation is useful when your CRA disputing turns an IIB tradeline into a Charge off. Unless you are willing to mail your BK papers to a CRA your only alternative is OC validation.
