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Validation of Debt Letter

Asked Apr 20, 2007, 05:08 PM — 4 Answers
Subject: Validation of Debt Letter

I have received a Civil Summons for a credit card debt. I want to send a letter requesting Validation of debt.
Who should I send the letter too ? A. Plaintiff B. Attorney C. Both A and B.
I live in North Carolina and the Plaintiff is UNIFUND CCR PARTNERS in Ohio.

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4 Answers
excon's Avatar
excon Posts: 21,004, Reputation: 15480
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#2

Apr 21, 2007, 08:11 AM


Hello Cook:

Send it to ALL of them. What? It's going to cost an extra $.39 plus copy charges. Big deal.

excon
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microbiology's Avatar
microbiology Posts: 7, Reputation: 1
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#3

Apr 18, 2008, 11:48 PM
Hi what happened with your case? I have a similar situation going on.
Thanks
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chrysalis's Avatar
chrysalis Posts: 5, Reputation: 1
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#4

May 4, 2008, 11:33 PM
Ok if this is indeed a "filed" summons there is really no need to ask for debt validation at this point

What you need to do is respond to the summons per the instructions on the summons within 30 days. If you fail to do that a default judgement will be entered against you and you will not be able to fight it any longer. The reason why there is no longer a need for debt validation is because that will be taken care of with your answer. There is a specific way to respond so research it thoroughly. During the discovery phase you will be able to ask for any and all documents to prove its validity. If it's truly a summons it will be time and date stamped by the county it was filed in.
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JudyKayTee's Avatar
JudyKayTee Posts: 45,437, Reputation: 23563
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#5

May 5, 2008, 05:08 AM
Quote:
Originally Posted by chrysalis
ok if this is indeed a "filed" summons there is really no need to ask for debt validation at this point

What you need to do is respond to the summons per the instructions on the summons within 30 days. If you fail to do that a default judgement will be entered against you and you will not be able to fight it any longer. The reason why there is no longer a need for debt validation is because that will be taken care of with your answer. There is a specific way to respond so research it thoroughly. During the discovery phase you will be able to ask for any and all documents to prove its validity. If it's truly a summons it will be time and date stamped by the county it was filed in.

Good advice but this was posted in April 2007 and the OP has not been back.
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