Getting my feet wet – Credit Repair finally done
My debts are now charged off and I have sent validation to 3 CA with their initial letters. I am waiting to see what if anything comes back. Any ideas what I can expect from the CA? I used a combo of 2 of the templates in the files section. It mentions they cant sell off the debt without validation. Will this be the end of the CA if they cant validate?
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Categories: creditrepair
Only a debt owner can sell a debt and I know of no reason to prohibit selling the debt. Validation only affects the current collection efforts so the debt owner can send the account to another company. As for what you may receive it varies widely so you’ll need to wait & see what you receive. I used to use a letter that states screen prints are not acceptable validation.
So yes, if the collector cannot provide you with some form of what they consider validation they must stop collection efforts immediately by law. But that doesn’t stop a new company from taking over which is why I prefer first sending a faxed validation request to cut down on the cost of registered return receipt mail. That said, it’s not unheard of for a company to have numerous offices with separate names and keep the account in house pretending to be a different company entirely.