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.
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 Debt history, invalid/outdated information, etc?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.