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AuntBuck posted:You'll see that blurb at the bottom of all their communications, they're required to include it by law. Congrats, that's not a legit debt validation. The purpose of debt validation basically is to show they purchased/were assigned the debt to collect and are authorized to collect it. A valid debt validation would be something like including copies of statements or a signed credit card agreement, not some info they typed out in notepad. I have a similar situation. I was sent a "attempt to collect a debt by a debt collector" from the firm Fulton, Friedman, and Gullace (from Asset Acceptance). Dear XXX, Your unpaid account listed above has been referred to our office collection. At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. IMPORTANT NOTICE (blurb about 30 days pass, it's automatically valid if no dispute) Very truly yours, company contact info Please be advised that our client, Asset Acceptance, LLC, has requested that we include the following message. Important disclosure ------------------------------ federal law blurb Nothing else besides an empty envelope was with it. Advise?
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Aug 13, 2012 15:49
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AuntBuck posted:Is this your first contact from them? That looks like a fairly standard dunning letter. First contact, yes. Should I demand an itemization list on exactly what I owe or even acknowledge them?
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Aug 14, 2012 08:29
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So a continuation of this affair, I found out the debt I apparently owe is a revolving line of credit. The paperwork has me signed with a witness 5 years and a month ago. SOL for open-ended in Illinois is 5 years, but I'm reading SOL resets if I made a payment at any point after the initial signing. What do you suggest? Thanks in advance.
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Sep 12, 2012 03:03
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