Sent DV, law firm responded....

[taol1234]

I sent a DV to a CA and I received a response from a law firm. The law firm is in my home state of GA. The letter just states that the CA received the debt, the amount, the date of last activity in 2004 and the original creditor.

Is this enough information? This is not showing on my credit report. How should I respond?

Thanks

[Robert Nashville/Savannah]

I sent a DV to a CA and I received a response from a law firm. The law firm is in my home state of GA. The letter just states that the CA received the debt, the amount, the date of last activity in 2004 and the original creditor.

Is this enough information? This is not showing on my credit report. How should I respond?

Thanks

It might (stress the word "might") meet the minimum requirement for validation but I would say it would be highly questionable as all you've really got is one third-party claiming the information another third-party has is correct.

The better question, in my opinion, is whether the the creditor, through their CA, is supplying enough basic information for you to make an informed decision about the debt and who, and whether and/or how much should be paid if any.

[taol1234]

This is maybe the 4th or 5th CA for the same account. I know they did not receive it directly from the original creditor. Also, I'm pretty sure the last activity was not in 2004, I will check old credit reports to be sure. Even if it was, the SOL in GA is 4 years so it's too late for them to collect right?

Thanks,

[Robert Nashville/Savannah]

This is maybe the 4th or 5th CA for the same account. I know they did not receive it directly from the original creditor. Also, I'm pretty sure the last activity was not in 2004, I will check old credit reports to be sure. Even if it was, the SOL in GA is 4 years so it's too late for them to collect right?

Thanks,

SOLs can be a complicated issue such as if you have moved from one state to another after whatever event triggered the debt, etc...I would advise you to try and be certain that the applicable SOL for this type of debt has passed.

Also, in most states, the SOL having passed does not mean the debt "doesn't exist" or isn't collectable; all it means is that the creditor has missed the opportunity to pursue the issue in court...even then, some creditors will sue in hopes of the consumer not showing up. If you are sued on an out of statute (OOS) debt then you must show up and present the facts that show the debt is OOS.

Now, all that said, once you are sure a debt is OOS and you have no intention of paying/settling the debt then there is usually no reason to "play around" with Disputing/requesting validation...just send a "go pound sand" letter (aka C&D aka Cease Communication aka FOAD).

[admin]

I sent a DV to a CA and I received a response from a law firm. The law firm is in my home state of GA. The letter just states that the CA received the debt, the amount, the date of last activity in 2004 and the original creditor.

Is this enough information? This is not showing on my credit report. How should I respond?

Thanks

In my opinion, that's not enough for debt validation. These guys obviously have nothing on you.

[taol1234]

Thanks to all.

If it's not enough information, how do I request more?

Also, are there any C&S or FOAD templates available?

Thanks,

Tanisha

[Robert Nashville/Savannah]

It doesn't have to be complicated; in fact KISS should apply...

Something like "in accordance with Federal law, I request that you cease communicating with me regarding this alleged debt".