What to do about a debt collector summons with insufficient validation of debt?
I have an old debt ( 2004-2005) that I am being sued for by an attorney hired by the debt collection agency. I sent my validation of debt letter first thing ( before any summons was sent to me). I received a letter on the attorney letterhead putling my debt and a few computer print outs. I sent another letter right away stating that this was not sufficient validation of debt and that I would like to request the full account history as well as the contract that states XYZ legally owns and is entitled to attempt collection of my debt.
About 3 days after sending this I received a summons to appear in court. Looks like it was Filed January 26- the same day they sent me these so called "print outs". Im scared to death, I feel like I'm being bullied, and I just want the documentation that I requested so that I can see exactly what is going on before I agree to ANY settlement conditions.
This is New York City. The collection agency is based in Georgia from what I can see on the docket.
Can someone please advise me on what my immediate next steps are. I can't afford an attorney.
Comment on smoothy's post
Isn't there a way I can file for this suit to be dismissed due to insufficient validation of debt. Once I get the paperwork I requested from them I can see if they a. own the debt and b. what they paid for the debt and then strike a settlement. I have cash to settle- but I want to see the proof.
I'm also planning on filing a complaint against them and countersuing for 1,000 for continuing to harass me without providing proof of debt. I've googled this law firm. They have had so many violations (one currently in court) against them that have no ruled in their favor. There must be a way for me to handle this without paying for an attorney that I can't afford on top of a settlement?