My question involves collection proceedings in the State of: Virginia


My primary residence went to foreclosure, had an 80/20. The second was charged off and sold to a debt collector since Virginia is a recourse state. I have asked for verification of the debt from the collection agency. More specifically, I requested the note and proof of the current ownership of the debt. They first sent me various signed loan documents, nothing that verified the debt nor the collection agency's claim that their client now owned the debt. When I pushed back for the correct and true documentation I was sent a bill of sale, the original note, and a signed letter from "the company" claiming to now own the debt which stated that the collection agency was working on their behalf.

The first page of the bill of sale identified "the company" as purchasing a bulk lot of loans from my former lender. The second page was for the most part blacked out (like whomever made a copy had covered up parts of it with two sheets of paper) save for one line item which included a loan number which I have never been associated with, a property address in a completely different state, and a dollar amount that was not my original loan amount. My assumption is that someone of questionable competence made a mistake when sending me the document. Meaning that my loan number is in fact on the blacked out paper somewhere with my correct property address and loan amount.

Obviously, I could just point out this error to the agency and make them aware that what they have sent still doesn't fulfill my request to verify the debt and its current owner. However, before I do that I want to cover all my bases. Did the collection agency violate the Fair Debt Collection Practices Act by revealing someone else's debt to me with the information on the 2nd page of the bill of sale? If so, should I report it, talk to an attorney and cease communication with the agency, or is this something I can use as leverage in negotiating a settlement on my own? Or is this not a big deal/mistake on their part and I'm just grasping at straws? Any help is appreciated.