Rec'd letter from CA twelve days into DV, what do I do next?

[Phillip Ray]

I'm the non-occupant co-signer on lease. Occupant defaulted on obligation.

I rec'd a letter from CA. I wrote CA a DV letter. Was sent back copies originally signed with landlord.

The exact wording of "or it's assigns" was not in the contract, nor proof of assignment or purchase. Before I could fully investigate with CRA's I received another letter from CA 12 days after initial DV letter. That I think is a violation of FDCPA. How should I move forward?

[Fairy Enchantress]

Look through the FDCPA to see if it is a violation.

http://www.creditinfocenter.com/legal/FDCPA.shtml

Here is a list you can sue for. If you catch them on several violations maybe they will drop the collections. You do want to catch them on as many violations as possible.

Repair Your Credit by Suing Credit Bureaus and Creditors For $1,000s!

http://www.creditinfocenter.com/eBooks/PoorMansClassActionLawsuit.shtml

After verifing their violations you would send them a letter notifing them of their violation and you will sue if they do not remove the account ect. Or just take them to court. Usually they will want to avoid court and remove the account.

[willingtocope]

If it truly is just a CA...they don't own the debt so "purchase" or "assign" has no bearing. They sent you proof you signed for the lease. I'm thinking you're stuck.