Results 1 to 5 of 5
  1. #1
    Join Date
    Feb 2013
    Posts
    3

    Default What Constitutes Validation of Debts

    My question involves collection proceedings in the State of: Maryland
    Original creditor in Kansas, collection agency in Missouri

    I received a letter from a collection agency for an amount I do not believe I owe. I sent a letter requesting validation of the debt and they responded with a copy of the original contract that I signed. I do not dispute that I had a contract with the original creditor, but I dispute that I owe them anything. I paid in full in June, 2010 and never received anything from the original creditor after that. I have not moved, so they definitely have my address.

    The contract they sent is not for the amount they claim I owe. That amount is hand-written in a margin, and was not present when I signed the contract (I have my own copy of the original contract). They did not indicate what the amount was charged for, when it was incurred, etc.

    Can I reply and request this information? Or is a copy of the contract sufficient validation under the law?


    Thank you.

  2. #2
    Join Date
    Sep 2012
    Posts
    1,991

    Default Re: What Constitutes Validation

    do you happen to have some form of proof of payment?

  3. #3
    Join Date
    Feb 2013
    Posts
    3

    Default Re: What Constitutes Validation

    My checkbook has carbon copies and I found the books from that time. I put them into an Excel spreadsheet with the original amount and the interest rate and indeed, it is paid off.

    However, I do not have any paperwork from the original creditor stating that it is paid off. The last thing they sent me was the last bill. Once that was paid they never sent me another thing.

  4. #4
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: What Constitutes Validation

    Your carbon copies are not legally significant. Get a copy of the cleared check(s), front and back, from your bank. If you received a final bill with a total amount due on the account, and in response to that bill sent a single check that cleared as payment in full, then that one check should do it.

  5. #5
    Join Date
    Feb 2013
    Posts
    3

    Default Re: What Constitutes Validation

    Just found my final bill. I have a carbon copy of that check for that exact amount, so I will ask my bank for the front and back of that check #.

    Thanks!

    1. Sponsored Links
       

Similar Threads

  1. Disputing Debts: What Constitutes Adequate Debt Validation
    By MantisKnight in forum Debts and Collections
    Replies: 1
    Last Post: 11-15-2012, 01:39 PM
  2. Debt Collectors: Debt Validation or Not
    By Exhausted with debt in forum Debts and Collections
    Replies: 1
    Last Post: 03-09-2011, 10:29 PM
  3. Debt Collectors: Validation of Debt
    By AMY10 in forum Debts and Collections
    Replies: 3
    Last Post: 11-28-2009, 12:30 AM
  4. Debt Collectors: Debt Validation
    By woody1172 in forum Debts and Collections
    Replies: 8
    Last Post: 11-26-2008, 05:17 AM
  5. Debt Collectors: What Constitutes Validation of a Debt
    By Motor710 in forum Debts and Collections
    Replies: 2
    Last Post: 08-01-2006, 08:26 PM
 
 
Sponsored Links

Legal Help, Information and Resources