Subject: How to answer summons and request validation
Wed Aug 04, 2010 4:26 pm
Hello everyone, I'm new to the site but need some help! My wife has been served with a summons for credit card debt and needs to answer within 20 days. The debt was purchased from Chase Bank by LR Credit 21, LLC in New York. I'm putting together an answer, but I would also like to get validation. Do I ask for validation in her answer or at on the court date? Do I send the request for validation to the collection agency or to their attorney? When do I send the validation request? Any answers you can provide would be a big help!!
Do I send the request for validation to the collection agency or to their attorney? When do I send the validation request?
You need to send any debt validation letter to the collection agency, as the details on this debt will already be there in the court. As a case has already been filed, you will find the details from the court. Request the court clerk to provide you the paperwork on this case.
In addition, remember to answer to the summons within the stipulated time. However, before you file the answer find out the details on the debt from the court. If you still want to validate the debt, you can send debt validation letter to the attorney representing the collection agency through certified mail, requesting a return receipt.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.