Validation of Debt after 30 day notice

[allenjerian]

I have sent my first validation letters to the collection companies. Soon after mailing one of them, I was contacted by phone at 6:00 a.m. by one of them. When I stated that I had sent out a letter requesting validation of the debt, I was told that it had already been past the initial 30 day validation period and they did not have to validate it for me. I have also been told that if they have a judgement against you, they don't have to validate it. Is this true? JM

[bigjohnstud4200]

I have sent my first validation letters to the collection companies. Soon after mailing one of them, I was contacted by phone at 6:00 a.m. by one of them. When I stated that I had sent out a letter requesting validation of the debt, I was told that it had already been past the initial 30 day validation period and they did not have to validate it for me. I have also been told that if they have a judgement against you, they don't have to validate it. Is this true? JM

Absolutely not, although it is a lot tougher to get validation from them after the 30 days. If they are already hitting you with that response, then you are out for a fight. There are many ways to get past this. How old is the debt, past SOL?

[merkurfan]

back up a second... 6:30 AM?!?!? Do you have proof of this? Caller ID or something. Perhaps your phone company can give you proof of the call?

Thats a violation. 8am to 9pm is the rule.

[bigjohnstud4200]

back up a second... 6:30 AM?!?!? Do you have proof of this? Caller ID or something. Perhaps your phone company can give you proof of the call?

Thats a violation. 8am to 9pm is the rule.

WOW, I read right past that 6:00! VOIP, it's a good thing.

[starstruckdiva]

Some services like Vonage offer emails that include the phone/voicemail message that was left for you. You can:

1. Read the TEXT, time of call, phone number

2. Get a digital recording of the message which can be saved and put on a cd

3. Billing shows in/out calls with time, phone number, and a transaction number

Very good service and you can log on to your acct and download 24/7 it is always up to date unlike cell phones and most telephone companies. Voice Over IP is the best way to track these Crooked Collectors. Many of them are total loosers who are a day late and a penny short. I got two items removed because 3 people were trying to collect for the same debt on my credit report. That was funny. They were supposedly 3 different companies in 3 different states all trying to collect a debt from me. Washington Mutual/Providian. So I got them All off my report so now I just got to get Providian off one way or the other.

I paid off a couple bills this month. Happy about that.

Anyway, I hope the info helps.

[bigjohnstud4200]

Some services like Vonage offer emails that include the phone/voicemail message that was left for you. You can:

1. Read the TEXT, time of call, phone number

2. Get a digital recording of the message which can be saved and put on a cd

3. Billing shows in/out calls with time, phone number, and a transaction number

Very good service and you can log on to your acct and download 24/7 it is always up to date unlike cell phones and most telephone companies. Voice Over IP is the best way to track these Crooked Collectors. Many of them are total loosers who are a day late and a penny short. I got two items removed because 3 people were trying to collect for the same debt on my credit report. That was funny. They were supposedly 3 different companies in 3 different states all trying to collect a debt from me. Washington Mutual/Providian. So I got them All off my report so now I just got to get Providian off one way or the other.

I paid off a couple bills this month. Happy about that.

Anyway, I hope the info helps.

How old is your Providian? In my case, their "alleged records" against me had been deleted so a simple dispute has gotten rid of them.

[allenjerian]

The Debt has not reached its sol but I am really not sure what it is for. What do I need to tell them to get them to validate it? After they told me that they did not have to validate it because it has been past the 30 days of the first notice and told them that I did not remember ever getting a notice and that I had a right to know who the orig. creditor was. They told me that they would pass that on to there collection department. I haven't heard anything from them yet. Also, when they called it came up as unavailable.