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Help...am I doing this right?


dukenupe
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It is my understanding that they DO NOT have to provide a signature or accounting history to validate the debt. How ever if it was to go to court then they would have to provide that information requested under the discovery portion. They must however provide sufficient information provided from the OC and not their own printout.

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Send him a copy of this case:

http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=26481

That specifies account history. Some other ones you might use:

Bishop v. Global Payments Check Recovery Servs., Inc., 2003 WL 21497513 (D. Minn. June 25, 2003). FDCPA imposes strict liability without regard to whether the consumer was misled by the violation.

Morgan v. Credit Adjustment Board, Inc., 999 F. Supp. 803 (E.D. Va. 1998). To establish a violation of the FDCPA, three requirements must be satisfied: (1) the plaintiff who has been the target of collection activity must be a ‘‘consumer’’ as defined in § 1692a(3);

(2) the defendant collecting the debt must be a ‘‘debt collector’’ as defined in § 1692a(6); and (3) the defendant must have engaged in an act or omission in violation of the FDCPA.

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