I say they don't play fair only because they never validated the debt as I requested and still proceeded with collection. From day one I told them I was not refusing to pay but did want to know who the original creditor was and not just send a check to Unifund because they said so. They proceeded with a law suit without providing that information, saying in the summons only that it was a "Visa" card, not even supplying an original account number. I provided all that information to the court and it meant nothing. So be it. I said all along, to them and the judge, that I am fighting the case but should the court rule against me I would pay immediately. There would be no need to put a lien on my house or garnish my bank account and I feel it would be unfair of them if they did.
If you demanded validation within the 30 day period and they failed to comply but proceeded with collection then that is a violation of FDCPA. Your remedy is to sue them just as their remedy for your failure to pay is to sue you. That's the way the law works. I see nothing unfair about that.
Thanks for all your help cap1. I've downloaded the forms and information for filing a federal law suit.
