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where do you go from here-if debt has been validated?

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Joined: 07 Dec 2009
lanhuynh281's page
Posts: 1

31 Magic Points

Subject: where do you go from here-if debt has been validated?
Posted on Mon Dec 07, 2009 11:24 pm  

recently, I have been served on a credit card debt. I requested a debt validation from my creditor, they sent back a stack of computer generated statement on the account with the affidavit from the original debtor, stating that this is true and correct amount owed. I don't know what to do next, is the copy of statement and the
affidavit sufficient or do they have to sent me an original contract that signed by me when I first got the card- please advise

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

405 Magic Points

Posted on Tue Dec 08, 2009 1:55 am  

Ask them if the person on the affadavit is willing to accept a subpeona to testify on their behalf, I doubt they will, this affadavit probably did not even come from the original creditor, they send these out along with credit card statements.

I had the same thing happen, these are called John Doe affadavits, I do not believe they are real people on them.

Posted on Tue Dec 08, 2009 8:09 pm  

hello Goodnatured!!

thank you for respond back to my posting, if you mind--can I ask you what happen after that


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Wed Dec 09, 2009 5:55 am  

HI Ian,

Wait till they validate your debt properly. When you ask for debt validation to a collection agency, ideally they should send the statements of your outstanding balance, document stating that they are allowed to collect this debt and a copy of the original contract between you and the creditor. After your debt is validated, you have to pay it. If you are unable to pay the entire amount, then you can try to negotiate and settle the debt with the creditor.
All the Best Smile

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