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If you have any problems with the registration process or your account login, please contact us. | Advanced Credit Repair - Dealing with Collection Agencies Discuss What now? in the CREDIT AND LEGAL ISSUES forums; I requested validation from a CA. In Saturday's mail, I received a copy of one statement from the OC, to which was stapled a sheet from the CA. On the ... 
11-19-2007, 02:58 PM
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#1 | | Junior Member
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| What now?
I requested validation from a CA. In Saturday's mail, I received a copy of one statement from the OC, to which was stapled a sheet from the CA. On the sheet from the CA was listed my name, SSN, previous addresses, and then it had listed the amount on the statement from the OC and then a line item that said "agency interest," and then their "total."
What should my next steps be? | 
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11-19-2007, 04:18 PM
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#2 | | Administrator
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| Was it from the OC or the CA? If it is from the OC, this is non compliance as the statute says that the CA is OBTAIN and forward to the debtor.
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Last edited by roybean; 11-20-2007 at 12:05 PM..
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11-19-2007, 05:28 PM
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#3 | | Elite Member
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| Quote:
Originally Posted by roybean  Was the OC or the CA? If it is from the OC, this is non compliance as the statute says that the CA is OBTAIN and forward to the debtor. | where did the ca get the info to begin with? did they not obtain it from the OC
Man this stuff is confusing.
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11-19-2007, 06:12 PM
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#4 | | Administrator
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| FDCPA doesn't say obtain and forward or either you can have the oc send it to the debtor....when in doubt the plain language of the statute is what the courts go by.
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11-20-2007, 11:20 AM
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#5 | | Junior Member
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| Quote:
Originally Posted by roybean Was the OC or the CA? If it is from the OC, this is non compliance as the statute says that the CA is OBTAIN and forward to the debtor. |
I am not sure I understand the question.
I received a response from the CA. It had a copy of a statement from the OC and then a sheet from the CA with a line item "agency interest" and then "total." | |
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11-20-2007, 12:07 PM
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#6 | | Administrator
Join Date: May 2006 Location: Okinawa
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| Quote:
Originally Posted by mss103 I am not sure I understand the question.
I received a response from the CA. It had a copy of a statement from the OC and then a sheet from the CA with a line item "agency interest" and then "total." | Sorry, sometimes I am thinking something and I think my fingers have typed it because I was thinking it....I asked if it was from the collection agency or did it come from the original creditor?
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11-20-2007, 03:13 PM
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#7 | | Junior Member
Join Date: Aug 2006
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| This correspondence came from the CA. Is this proper validation? What should I do next? | |
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11-20-2007, 03:38 PM
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#8 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 6,995
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| It appeas to be proper validation. Do you have another thread somewhere, because without more information, I can't suggest what you should do next?
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