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Debt Validation

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

489 Magic Points

Subject: Debt Validation
Posted on Sun May 23, 2010 3:11 am  

What constitutes valid debt validation?

In my case they have only provided a couple of monthly bills that are in the original creditors name. The mediator office said that when we go to court they will not only have to prove I owe the debt but that I owe it to them.

I feel confident that these monthly bills are not real debt validation. If I can not get this thrown out on some type of delay since it has been over three years since they filed paperwork and they as the moving party has not pressed forward, I am going to need to show that they are not owed the debt.

I thought I would ask them questions as to their connectin with the original creditor, that will be another post.

I need advice on proper validation, What constitutes it??
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Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6413 Magic Points

Posted on Sun May 23, 2010 12:15 pm  

if the monthly bills show that you made payments on this account then it will be tough to explain that you made payments on an fraudulent account.

validation=what the judge (or the mediator) says
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Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: proper validation
Posted on Mon May 24, 2010 10:06 am  

Hi goodnatured,

A proper validation constitutes of

1. A copy of your original contract with the creditor.

2. The account statement showing your outstanding debts.

3. the proof that they have purchased the debt form the original creditor, or that they have the authority to collect form you.

However, not all collection agencies may provide you with all the 3 proofs.


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

489 Magic Points

Posted on Tue May 25, 2010 10:42 am  


I am not disputing the account with providian, I am disputing it with CACH, LLC, I never had an account with them. They are saying that I did. All the statements that they show are from Providian not them.

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

489 Magic Points

Posted on Thu Jun 03, 2010 11:32 am  

Clear debt validation needs to be more defined, companies think they can just send a copy of a bill and that should be sufficient, I don't think this is true, but can not find any real law in place in writing that states what true debt validation is.

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