Prejudement letter from Rausch Sturm

[TXDad8]

I'm in Texas, received a letter from Rausch Sturm about a paypal/synchrony bank. I did a debt validation letter with a clause no telephone contact. Well they called me today and she said she called my cell phone and skirted around the issue. Whatever. 

 

The statement account number doesn't match the orginial account number they have. She said she "assumed" it was correct. I also asked for a contract and she didn't have that information. Honestly I can't afford the money they are asking ($1600) but my God Father said he would float me the money in exchange for some manual labor on his farm. I tried to find a contract online on the paypal credit line when I had the account and downloaded 4 years of agreements from CFPB looking for arbitration information so when they sue I have that information. She said they didn't have one either but had a statements and bill of sale from the debt collector (not synchrony). I told her if suit was to be filed I will demand arbitration. She said that was a option I had. 

 

I was hoping I could get some directions on what to next. I know arbitration/court will be a lot of hassle and time for both the law firm and myself. 

[Clydesmom]

6 hours ago, TXDad8 said:

I did a debt validation letter with a clause no telephone contact.

NEVER do a "no contact" in a DV letter.  They can treat that as a cease and desist and go ahead and sue you.  There is NO such thing as a partial no contact i.e. only write to me.  

6 hours ago, TXDad8 said:

The statement account number doesn't match the orginial account number they have. She said she "assumed" it was correct.

That is because what ever JDB bought this debt gave it their own account number.  They cannot continue to use the PayPal account number.

6 hours ago, TXDad8 said:

I also asked for a contract

There is no contract in credit card cases.  The court knows this.  Even if there was they have no requirement to provide a copy during DV.  They only have to do it in court during discovery.

6 hours ago, TXDad8 said:

I know arbitration/court will be a lot of hassle and time for both the law firm and myself. 

Depends on who the JDB is.  PRA has followed a few in to arbitration to the end.  That threat is slowly losing potency.  Who bought your debt?