kashta Posted May 23, 2007 Report Share Posted May 23, 2007 I have a debt to an alarm company. A few months ago it was given to a collection agency that I never paid, the guy got real nasty with me on the phone and I never responded to him. Nothing was reported to any of the 3 major credit bureaus at that time and I have checked as recent as about february or march. I received a phone call from a new different collection agency (Professional Recovery Systems, L.L.C.) last week stating that they had purchased the debt and tried to arrange payment from me. I told them that they need to provide me with the original contract that I signed before I can discuss anything. Tonight, I recieved a letter in the mail from them stating that they purchased the debt, and the letter included:the name of the alarm companythe original account numbertheir account numberthe charge off date of the debtand the amount dueIn addition to this they attached the original contract with my signatue to the letter.Does this suffice as debt validation, and if so what are my options? Link to comment Share on other sites More sharing options...
thomassl Posted May 23, 2007 Report Share Posted May 23, 2007 You need to provide more information as to how old is the account, when was your first date of delinquency, etc. so we can first see if the debt is possibly out of statue of limitations. Link to comment Share on other sites More sharing options...
kashta Posted May 24, 2007 Author Report Share Posted May 24, 2007 my first date of delinquency was around March or April of 2006 Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 24, 2007 Report Share Posted May 24, 2007 They've probably got you, has the new CA reported to your CR yet? If not, you might be better off paying if they agree to not report. Link to comment Share on other sites More sharing options...
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