If after a validation request under the FDCPA, the creditor refuses to cooperate, then the creditor may not legally collect the debt.....ok, lets say you got the judgement....now what? You cannot legally collect the debt. What good is your judgement?.................If the debt cannot be validated, you can write a letter stating that you know the law and the agency is in violation of it and that all collection attempts must stop or you will report it to the FTC and your state attorney general. Contact all the credit bureaus and demand that this debt be wiped off your credit report or you will report them also.

