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Couple questions-need help


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Hi,

Just received a notarized letter from creditor saying the debt is valid (with the account #,etc) and their law firm says they will send further validation.

My question is, if they can properly validate can I offer monthly payments in settlement offer? What would be a good amount to offer if the total owed is 4250.00?

Can they sue after (or before) validation process? Are they obligated to offer settle opportunity prior to sueing?

The little notarized letter called me "defendant" and this scared me, but says they will forward further validation info as it is available.

I'm in SC BTW and SOL is another year.

Thanks

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