misscrystal23

Thank you so much for your responses. These were very informative. You are correct, the letter I recieved stated it was a "PRE-LEGAL NOTIFICATION" I am really new to all of this, concerning the debt validation, what should I look for to determine if they have a case against me? Do you have any recommendations for 'demands' or a link to a recommended DV letter? I found one but it was two pages long and it appears you guys favor the 'KISS' method. Thank you for your time!

I received a letter today from Atlantic Credit & Finance Inc, informing me Midland Funding, LLC is considering forwarding this account to a attorney in my state (Florida - St. Lucie County). The letter states: Original Creditor: SYNCHRONY BANK AMAZON Current Owner: Midland Funding LLC Current Servicer: Atlantic Credit & Financing, Inc. Balance: $4,350.23 Date of Default: 11/15/2017 Last Paid Date: 05/08/2018 (This is not correct as I have not made a single payment since defaulting) I wish to send them a debt validation letter as from what I've read on here, however I am unsure how to proceed with arbitration if they are able to validate. They have only provided me with a P.O. Box to send correspondences to, how can I get a signature with this method? What specifics should I ask for in the letter? I saw someone mention asking for an Original Agreement between me and my creditor. What should I look for in their response to let me know if they may or may not have a case against me? Debt history, invalid/outdated information, etc? Should I mention a possible arbitration or leave it out? Do any of you have a link to a good validation letter sample? Thank you so much for your time. I really appreciate it.