Help: 3 Days to sent this: is it okay?

[lizandjerry]

I have 3 days before I send this out because per the FDCPA they have 5 days after initial contact to send a letter asking if I would like to validate and I doubt they will. They have been calling me off the hook (for the first time ever after sending me a threatening letter). Most of this came from a template, but the rest was stuff I through in there. (I dont sign this right?)(I send this certified mail?) Is this appropriate:

"I have recently received a letter from your company on 07-21-03 advising me that you will be conducting an investigation with regard to my income, assets, and net worth. It is also advising me to contact your office in regards to a payment of $(lots). I have patiently waited 5 days for a written notice containing the statements that are required per the Fair Debt Collections Practices Act (FDCPA). Since I have not received one, I am taking it upon myself to let you know that the claim is disputed.

Under FDCPA, I have the right to request validation of the debt you say I owe you. Since this is my first contact by your company in regards to the above mentioned debt, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. I am requesting physical proof in the form of a signed agreement by me stating that I would pay the alleged debt. I am also requesting:

 An Agreement with your client that grants you the authority to collect on this alleged debt

 Any insurance claims been made by any creditor regarding this account

 Any judgments been obtained by any creditor regarding this account"

[Swede]

I have 3 days before I send this out because per the FDCPA they have 5 days after initial contact to send a letter asking if I would like to validate and I doubt they will.

Not exactly, they have 5 days inform you of your rights to request validation unless they provided it in the initial communication. THEN, you have 30 days to ask for validation so the 5 days is their deadline, not yours.

(I dont sign this right?)(I send this certified mail?) Is this appropriate:

No don’t sign, it’s not necessary and you shouldn’t provide them with any information not needed, also, CA’s have been known to use it to forge your signature. Yes, definitely CMRRR.

Need more info on where you are, what type of account, if within SOL, is it on your credit files, what did the letter state etc to comment on your letter.

[lizandjerry]

Need more info on where you are, what type of account, if within SOL, is it on your credit files, what did the letter state etc to comment on your letter.

This is a rotating account and is only (according to them) 3 years old (as of 2000) which is not true. The SOL for OH is 6 years, so I cant go that route.

The original contact by them was this:

"It has become necessary for this office to conduct a thorough investigation with regard to your income, assets, and net worth.

It is imperative that you contact this office upon receipt of this notice. Failure to comply will result in the immediate commencement of this investigation.

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose."

And that's "all she wrote". They didnt say anything else. Now all of a sudden I'm getting flooded with calls from this CA ever since this initial contact. My credit report shows: Charged off Account.

I'm definately going to DV this, because I dont even know anything about this debt. I'm also sending it to both their physical location as well as their PO Box address, that way they cant say I sent it to the wrong place (I'm letting them know this on the DV letter.)