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Chaudhry v. Gallerizzo?

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A little help is needed here, folks. I received this in the mail today and have no idea if what this CA is telling me is true or not.

Dear .......,

I have enclosed an affidavit of debt for the verification of debt you requested fr the above account. The court case of Chaudhry v. Gallerizzo, 174 F. 3d 974 (4th Cir. 1999) states this is sufficient for account verification:

"verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the debt. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt".

Please contact Customer Service at 888-555-5555 if you have any questions.

Attached is a notarized letter stating that the CA (Alegis) bought the debt from another CA, who bought the debt from yet another CA. It goes on, too. The "attorney" (not sure if he's a real one or not) who signed it says "I further certify that I am duly qualified and competent to testify to the matters stated herein, and authorized to make this affivadit. I further state that the records of this account are maintained under my supervision, and that the amount of the claim is just and true to the best of my personal knowledge, and that all just and lawful offsets, payments and credits have been allowed".

What's this Chaudhry v. Gallerizzo stuff? Can they cite that case and use it against me? Any help would be appreciated. :)

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Let me get this straight- If these CA's or attornies for the CA's cannot submit proof the debt is yours AND that they have the right to collect it from you AND your signature on the original agreement- then they don't have a leg to stand on? This is my understanding.

The attorney obviously is blowing smoke, as far as I understand it. So basically, this debtor can forward this info to the CRA's and have this debt removed? And if it gets removed, can it get reported again by the same attorney or any other?

Finally, what is this debtor to do in response to this letter from the attorney?

Thanks... you educated people!!!

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Hellooooooooooooooo! You had an okie meeting? How neat! I'm jealous.

And I really did try to do a search on the Chaudhry v. Gallerizzo case, but it came up empty. I guess I should've just put in "Chaudhry" huh? Anyway, I'm SO grateful that I came in to ask about it. I just really sensed there was something amiss about that letter, but having a signed affidavit really did scare me a bit. They're getting smarter, these CAs.

Thanks for the advice. Any idea of what I can say in a letter to respond to these demons?

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