Jump to content

Computer generated print out medical bill - sufficent DVL response?

Recommended Posts

I have a response from a DVL. It is just a computer generated print out for a medical bill. Normally I do not think this would be valid, all though perhaps it would be.

I am with in the SOL for the medical bill.

Should I accept this print out as valid and pay it off?

Link to comment
Share on other sites


What does a debt collector need to provide as debt validation?

• Proof that the collection company owns the debt/or has been assigned the debt. (Bob is legally entitled to collect this particular debt from you.) This is basic contract law. It is very difficult to get a judgment without a direct contract between collection agency and the original creditor.

• At a minimum, some account statements from the original creditor. If you really want to get sticky, you can pin them down on the amount of the debt by requiring complete payment history, starting with the original creditor. (How the heck did Bob calculate this debt? What fees/interest Bob has tacked on to this debt and how he determined these fees?) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..

• Copy of the original signed loan agreement or credit card application. (Your contract with Joe establishing the debt between you.) However, account statements from the original can fulfill these requirements.

The thing is this debt is mine. They did not send me a copy of anything that I signed. Oral, written, and promissory is 6 years and an open ended account is 3 years on the SOL for Colorado. Date seen is 08-29-04.

Link to comment
Share on other sites

Okay if any of you have the same sort of question I did- here is help.xdancex

Include this letter with your response to the collection agency. The Wollman FTC opinion letter, which can be found in this link.

http://www.ftc.gov/os/statutes/fdcpa...rs/wollman.htm note: if this link is not working you will find another link in the link below for it.

And here is some great advise from CM Chase in this link.


Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.