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  1. #1
    Join Date
    Nov 2009
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    1

    Default Validation of Debt

    My question involves collection proceedings in the State of: New Jersey the debt collector is in OH

    Hello I sent a request for validation of debt to a collections agency please see below for the letter I sent to them. They responded by just sending me a year's worth of credit card statements for the creditor. Is this proper validation of the debt? Even though they did not provide every validation request such as the credit card contract?



    This letter is being sent to you in response to a notice sent to me on September 30, 2009. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

    This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

    Please provide me with the following:

    • What the money you say I owe is for;
    • Explain and show me how you calculated what you say I owe;
    • Provide me with copies of any papers that show I agreed to pay what you say I
    owe;
    • Provide a verification or copy of any judgment if applicable;
    • Identify the original creditor;
    • Prove the Statute of Limitations has not expired on this account
    • Show me that you are licensed to collect in my state
    • Provide me with your license numbers and Registered Agent

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