Re: Whychat :CA calling and demanding payment within the 30 days

Posted by LadynRed (68.52.43.214) on March 14, 2004 at 10:59:19:

In Reply to: Whychat :CA calling and demanding payment within the 30 days posted by JP on March 13, 2004 at 22:44:30:

Whereever you got that, its not quite right. You can demand validation of the debt at ANY time, not just that first 30 days in the letters. Once you do that, they must cease any and ALL collection activity until they provide proper validation, and a copy of ONE bill is NOT proper validation to prove the alleged amount owed. They've got to cough up the ENTIRE account history to prove the alleged amount AND they have to produce a copy of your signature on a cc agreement.

Doesn't matter whether you BELIEVE you don't owe the money or not, telling a CA that will only get you laughed at because they don't care. If you don't owe it, MAKE them validate - ALL THE WAY !

You can read more on validation at www.creditinfocenter.com

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