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Sample Debt Validation Letter

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Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 166



5169 Magic Points
 
 Posted on Fri Jul 11, 2008 12:49 pm  
Since you have all the documents that you have asked for debt validation, I am sure that the judgment will go in your favor. Moreover since they have not validated the debt as per the FDCA, I think they have lost their right to claim the money.
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goodnatured



Joined: 03 Nov 2007
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Posts: 2527



3657 Magic Points
 
 Posted on Fri Jul 11, 2008 9:21 pm  
I hope you are right, I just wonder what is taking so long. The original summons was filed in December 2006, this was the first that I heard from them, I really think that it was a scare tactic, thinking that if I got the summons that I would automatically pay. Well I didn't, then back in January 2008 I recieved notice that the case was to move into an arbitration, I have talked to the attorney that is suppose head the arbitration, he said they would probably proceed after February. Well here it is July and nothing yet. I spoke to the prothonotary office the other day and she said to call the attorney again. Good thing is that the head attorney told me that they will not only have to prove that I owe the debt but that I owe the debt to them. So this post on here really made me feel good, I have all my documentation and reciepts of signatures that they recieved and signed for everything. I am feeling pretty confident at this point. I just wonder how long this can drag out, it has been 1 year and 7 months since the original summons had been filed.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
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Posts: 554



1026 Magic Points
 
 Posted on Sat Jul 12, 2008 2:08 am  
Is there a time limit or a statute of limitation on how long they have to act on a summons. I know when you are served one, you only have so many days to act on it.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 373



3902 Magic Points
 
 Posted on Sun Jul 13, 2008 1:14 am  
when you recieve a summons you have to send the court an answer by a specified date in order to have it considered by the court. If you do not send i an answer a judgement maybe made against you. After the court has read your answer you will be sent a court date.
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goodnatured



Joined: 03 Nov 2007
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Posts: 2527



3657 Magic Points
 
 Posted on Sun Jul 13, 2008 11:21 pm  
If you do not answer the summons they will win by what is called a default judgement. I got a summons and had thirty days to respond, I did. It is over a year and a half later and I still have not been to court, they sure take their sweet time.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 373



3902 Magic Points
 
 Posted on Mon Jul 14, 2008 12:24 am  
Perhaps the case was dismissed based on your answer. You should contact the court thats an awful long tie to wait for a date
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goodnatured



Joined: 03 Nov 2007
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Posts: 2527



3657 Magic Points
 
 Posted on Tue Jul 15, 2008 3:00 am  
I just called the prothonotaries office the other day, I have to get a hold of the arbitrating chief attorney and find out what is going on. I need to do that this week or the beginning of next.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
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Posts: 554



1026 Magic Points
 
 Posted on Thu Jul 17, 2008 2:54 am  
Hopefully you can get an answer from someone, seems like a hell of a long time to wait for a hearing or arbitration. Somebody should be given you an answer soon. keep us updated, this should be interesting.
 
fireyone



Joined: 26 Feb 2008
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Posts: 1926



9601 Magic Points
 
 Posted on Fri Jul 18, 2008 12:24 pm  
I think they probaly aren't or at least shouldn't be able to hold out like that. Its like waiting in the dentist office to get a tooth pulled and the dentist doesn't come in. I would def check. Its better than waiting for the ax to fall.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 373



3902 Magic Points
 
 Posted on Sat Jul 19, 2008 6:33 am  
I agree
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Free sample letters,
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fireyone



Joined: 26 Feb 2008
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Posts: 1926



9601 Magic Points
 
 Posted on Sat Jul 19, 2008 12:54 pm  
Can you imagine being left dangling for soo long? There has to be some kind of limit on this.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2527



3657 Magic Points
 
 Posted on Sat Jul 19, 2008 10:48 pm  
There should be, it is a pain waiting around, but there is not much you can do.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 1926



9601 Magic Points
 
 Posted on Mon Jul 21, 2008 12:45 am  
I know that would be annoying especially for those who are trying so hard to get their credit turned around. It must be all about being the little guy. If you want it you have to wait. Just like my lawsuit.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2527



3657 Magic Points
 
 Posted on Mon Jul 21, 2008 3:05 am  
Patience will pay off.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1926



9601 Magic Points
 
 Posted on Tue Jul 22, 2008 12:45 am  
Thats what I am hpoing for. Just gonna swing it for now.
 
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