Should I request validation or not?
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Posted by Jade
(216.130.15.13) on December 23, 2003 at 12:32:28:
With all the discussion about validation lately, I'm not sure what to do here. I just got a collection letter from a CA that is about an hour away from me. I'm in Ohio and the debt is over 5 years old. I was planning on requesting validation to see what they send, if anything, and follow up with the SOL letter if necessary. When I request validation from most CAs, I usually never hear back from them again, so this has been working for me. Since it seems like lawyers in all states (and the AG offices)seem to think that a CC falls under a written contract, I'm a bit nervous about just sending the SOL letter right away. I did that once and it didn't work out very well for me. Thanks!
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