gohsthb2 Posted July 15, 2007 Report Share Posted July 15, 2007 I sent a DV letter to the CA. In it I asked for:1. Complete payment history2. Signed agreement between myself and original creditor3. Letter of sale from the original creditor to the CA4. Intimate knowledge of the creation of the debt by the collection agencyWhat I got in return is:1. a letter from them stating that they are including documentation from the original creditor and that the documentation establishes the validity of the account.2. a copy of a privacy notice3. Affidavit of Ownership and sale of claim. Basically a 3 part note that says. 1 the person writing to note works for the CA. 2 the account number and amount owed as of 5/25/05. 3 that the account and all proceeds thereof are now owned by the CA4. a copy of a check from the CA to the original creditor amount $410. marked payment for the account of MINE.5. copies of the 5 bills previous to when they say they bought the account.My thinking is that they are still just saying that they own my account but they have not 'proved' it to me. I have recently had a law firm run a credit check on me, so I think they are going for legal action next. The amount they say I owe is ~$9500. What should I do?Thanks Link to comment Share on other sites More sharing options...
DucknCover Posted July 15, 2007 Report Share Posted July 15, 2007 Negotiate a payment before it goes to court. You're not going to win that one and you'll be paying legal fees too. Link to comment Share on other sites More sharing options...
cajunbulldog Posted July 15, 2007 Report Share Posted July 15, 2007 Looks good enough to validate imho.Next step is a judgement call.You can defend yourself in court and try to destroy any evidence in discovery or end up eating legal fees and a judgement if you lose. Link to comment Share on other sites More sharing options...
divemedic Posted July 15, 2007 Report Share Posted July 15, 2007 The affidavit is worthless. I am not sure, but I think that a case could be made that the JDB is only injured to the tune of $410.I wonder...This may or may not be validation, depending on the specifics. I would consult an attorney. Link to comment Share on other sites More sharing options...
thegame26 Posted July 15, 2007 Report Share Posted July 15, 2007 The affidavit is worthless. I am not sure, but I think that a case could be made that the JDB is only injured to the tune of $410. QUOTE]________________________________________________That can actually happen? I know JDB pay pennies on the dollar for accounts but always thought they could still collect whatever the balance with the OC was. So its possible they can only collect what they pay for an account? Link to comment Share on other sites More sharing options...
DucknCover Posted July 16, 2007 Report Share Posted July 16, 2007 What I got in return is:5. copies of the 5 bills previous to when they say they bought the account.Are these copies of statements from the OC with your name and address on it? If so..... they have a good case. Link to comment Share on other sites More sharing options...
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