A Collection Agency called and told me that I owe

A Collection Agency called and told me that I owe them money, but never sent a validation notice to me. What should I do?

3 Answers

You don't owe the debt just because they tell you that. They need to validate the debt. Send them a DV letter. If the CA does not validate the debt, then they can't collect the debt. You can send a C&D letter.


Ask them to validate the debt in writing via certified mail with a return receipt request.


You send them a DV letter.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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