[auburnfan04]

I have a question regarding proper debt validation. I received a letter from an attorney's office regarding a debt. I sent them a debt validation letter within 30 days requesting the following items, for proper validation, this is how I worded it:

Please provide me with the following:


What the money you say I owe is for
Explain and show me how you calculated what you say I owe
Provide me with copies of any signed papers that show I agreed to pay what you say I owe
Provide a verification or copy of any judgment if applicable
Identify the original creditor
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
Proof that the collection agency owns or has been assigned the debt
Complete payment history starting with the original creditor


what I received back was this:

1) A letter stating the enclosed items were verification of the debt, and it states" if you wish to avoid legal action" please contact our office
2) what looks like a print screen from their computer system stating my info with the total balance
3) a letter from the "affiant" for the collection agency stating her job is keeper of the books and that the account was sold to them and that their books show I owe x amount
4) a certificate of corporate secretary from chase bank, stating from what I gather that they were a part of one company then bought by some else, blah blah
5) a few credit card statements from the account the first being from 2/2005 through 12-05 then one from 3-06
6) a copy of a cardholder agreement, nothing AT ALL signed me

what I didn't get and think I should have is

an agreement signed by me
something showing the debt was still within statue of limitations
anything else I missed?
what should I do now?? Help me please

[auburnfan04]

Does anyone have any thoughts on this?

[this8384]

SOL for Georgia is 4 years, which means they can legally sue you if you used the card and/or made a payment after 4/16/2005. However, you stated that they provided you with a credit card statement from March 2006, which makes me believe the debt is still within SOL. They don't need to "prove" this to you because it's state law.

You could try arranging a settlement with them; make sure you get something in writing before sending them a penny.

If you know the account is yours, requesting verification is only going to make things worse for you and drag out the process. If it's not yours, then send them a letter stating you want some type of documentation listing your SSN and address.