[M5winds]

I sent a Validation letter to 3 companies one on 12/ 7/ 2007 1/15/2008 and the third 2/15. I did receive notification on the first 2/29/2008, the second 4/3/2008 and the third nothing yet. I also sent letters saying they couldn't call me family work etc..
The first one called yesterday and I realized when reading the letter the agency had 30 days to respond and the notification came later as did the rest. Also In the letter I only got a credit application is this enough information even though I asked for more like licenses numbers and statements, etc..

I was going to negotiate today but the gentleman said it went to litigation because he did all he could do. I explained to him that first the company wasn't even allowed to call but did and I never received much information in the validation letter except the credit application which any one could have and the validation letter didnt answer all my questions. I now realized that the letter came after 30 days from my request. It was faxed and mailed (not registered).
Do I have any leg to stand on?

The 2nd company came later too and nothing from the 3rd yet. What do I do next.

For the 1st company should I send a letter offering a certain amount?

Michelle

[jlynn]

Originally Posted by M5winds

The first one called yesterday and I realized when reading the letter the agency had 30 days to respond

There is no time limit under the FDCPA for a CA to respond. They merely must stop collection attempts until they do respond.

Also In the letter I only got a credit application is this enough information even though I asked for more like licenses numbers and statements, etc..

License numbers and things are not necessary. Just because you ask for it doesn't mean they have to provide it. They need to provide enough information to prove the debt. If there is a question about the balance they are claiming owed, then they would likely need to provide statements. The cc application would probably prove their right to collect, and that they have identified the correct person.

I was going to negotiate today but the gentleman said it went to litigation because he did all he could do.

You need to find out if this is true. You should go to your local courthouse and see if there are any lawsuits against you pending.

and nothing from the 3rd yet.

If this company has stopped attempting to collect, that is all they have to do.

For the 1st company should I send a letter offering a certain amount?

Michelle

If that is the one that indicated it is in litigation, you need to find out where, and the lawsuit's status before doing anything.