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?? ON debt validation and sol for suits. HELP PLEASE..
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Posted by michelle
(63.28.92.186) on July 18, 2002 at 09:21:43:
Please help. I've learned alot by reading the board but have a few questions regarging my personal sit. What category would medical bills, a check that was written at a check cashing place now at collection agency, and a apt lease fall in. Like written, prommisary etc.? I can't figure out the sol on these. Also, the checks that were written were from a joint account with my husband. We were separated at the time and I didn't know the checks were written(he doesn't remember either, could have or not). Obviously my signature would not be on the check. Why is it that it's on my credit report. Can I dispute this? Also, the original creditor said the account was sold to the ca but the ca says they don't buy accounts they are assigned to them. Is this accurate, I mean could they be lying can they do that? Now if the ca did in fact buy the account, does the fact it's a bounced check still apply as far as the law is concerned? The date on my cr is in 1997. Is it a bounced check since it was a way of getting a loan type of deal(I guess??) I would also like to know if you are shown as joint with someone but did not sign anything is the debt yours.Like a hospital bill.Where someone would sign as the responsible party. Sorry but back to a check question. If the ca can not produce the actual check itself and only has the info about the check and whats on the check does that count as invalid therefore can not collect for the check.Or has a signed contract but no check.
Any one out there willing to help, I'd be so grateful.This is a great forum, I passed the site info on to my fatherinlaw.
One more. Can I still ask a ca to validate the account even after the 30 days stated on the letters they sent saying that if not disputed in writting within 30 days the debt is then considered valid? How about even after I made an attempt to negotiate.I'd like to send in a letter stating that after personal review, I'd to have the following info to validate that the debt is accurate and/or mine. Would they still have to send a letter of validation or does the fact that I didn't dispute and ended up calling them to nego screw me?thank you much
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