I am concerned as to my next step to take. To explain what has happened so far; The original debt was with Capital One which made Portfolio Recovery Assoc. it's account assignee. A law firm acting on PRC's behalf is trying to collect this debt. A letter was sent to this law firm asking for validation of this debt mid July. The law firm did not reply until late September. Their reply consists of a copy of a notarized affidavit from an employee of PRC stating Capital One Bank (account seller) has sold, assigned, and transferred interest in the debt to PRC (account assignee). Also enclosed is a copy of a Capital One cycle facsimile report that contains various account information that is hard for an individual to comprehend not versed in reading such "reports". My question is: Does this constitute acceptable validation of the debt? What would my next action be if it is, or is not? Thank you.