debt validation

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dreamy_87
Guest

Subject: debt validation

Sun Jan 03, 2010 8:01 pm

Hi;

This is my question: What happened when you Request validation of the debt to a debt collector because you receive a letter from them and then you receive a letter from the original creditor saying that an investigation was completed in response to your inquiry regarding your credit card account and that they determined that the account balance is accurate and you need to make a payment inmediately and at the end of the letter says that the account is owned by the credit card bank.

Thanks a lot for all the help you can provide. i am really trying to help my husband with his credit situation.

Mandy

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Sun Jan 03, 2010 8:54 pm

You received a letter from a CA AND the OC (or did I misunderstand you)? From MY personal experiences, I've dealt with the OC (Original Creditor) of my past due accounts. They WOULD have more accurate information on your account. Sometimes you can't always deal with them, I DO understand this..but, if you can, I would do that.

dreamy_87
Guest

Subject: debt validation

Tue Jan 05, 2010 4:58 pm

I received a letter from the collector and I sent a debt validation and I received the answer from the original creditor

cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Tue Jan 12, 2010 12:25 pm

this is normal the records are supposed to come from the source. does it show a balance that equals the amount they are trying to collect?
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