Debt Validation who do I send to

[mesteno]

I am new at this and in need of help. I have tried to read what to do on many sites and am more confused now.

Do I send a debt validation letter to each of the reporting agencies or do I send it to the debt collector?

I have to ask for signature verification?

Anything else should I do?

 

Also, how do I use a Florida statue of limitation to remove a debt?

 

Thanks all help is appreciated.

 

[Torden]

Did you receive a dunning letter from debt collector?  If you only just found the item on the CR, I believe your first step is to dispute it with the CRA.

[mesteno]

I found it on my CR, it is an old debt from a bank for fees which a collection agency put it on my CR on Sep 2011

From looking around this forum it says to do a DV to the CRA first but all the sample letters are for CA. Does the CRA have to validate debt with proof of signature and documents?

Do I do a SOL to the CA? Will this remove the debt on the CRA's?

[mesteno]

Know were I can find a sample DV letter for a CRA?

[admin]

You can't DV a credit bureau.  Here is the dispute process step by step: 

 

http://www.creditinfocenter.com/repair/Repair.shtml

 

Here is a good DV letter for collection agencies: 

 

http://www.creditinfocenter.com/forms/sampleletter10.shtml

[mesteno]

What do I send the CRA?

I thought that you send a SOL to the CA?

Thanks for the help

[admin]

@mesteno - did you read the link I sent you?