Once again, thanks mr. yet. Is there any certain format that I need to use for a validation letter or just type up the "quote" and send. Would this be considered a DISCOVERY? Also how do I go about filing a notice to defend with the court? I've never had to do this before and your help is greatly appreciated!! Your responses have certainly helped my stress level drop. Thank you!!

It not a validation letter that you ask for, its validation of the debt. And yes this is the Discovery process where they present their proofs so you can defend against them. You want a copy of the original contract and a record of how the amount owed was calculated.