vaidation of debt request & collection agency won't send it!?

Question

what happens if a debt collector stops sending you letters. How do i know if the debt is now invalid? I ask for a validation of debt and they never sent it to me and now they don't send me anything at all. How do i know they won't come back in 4 years? How can I stop them from haunting me in 4 years if they refuse to answer my letters now.

Answer 1

Should have denied the debt, and told them to keep the debt to themselves. You can always follow up with another letter clarifying the issue. I wrote a sample one in an answer I answered today.

The dispute with the three major credit agencies is futile. Sending them your letter with return receipt doesn't mean you don't have the validation and are hiding it. The collection agency can still sue you in court, and you never stated how long its been since the agency didn't get back to you. They may still have time to send you a letter. Often, in the real world, validation letters mysteriously show up in court. The judge may not like its mysterious apperance, but it still gets them and you into court.

Answer 2

If you asked for a validation letter, and they shut up, that is all the evidence you need and all you will ever get. You DON'T know they won't come back in 4 years. Actually, I would bet they WILL. Just request validation again when it happens.

Answer 3

Check out this link for Debt Validation tips.

Your next move should be to go to your credit report and dispute the item on all three of your credit reports. You should still have the returned reciept showing that you requested a debt validation with your creditor and they never responded to your request.

http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Answer 4

First, forget approximately approximately emailing. you would be able to desire to deliver an authorized, return reciept letter to the series company. 2d, are you inquiring for data that the series company owns the debt? What are you looking forward to them to deliver to you proving they very own the debt? i think which you have been taking suggestion from some "credit professional" web pages and have some very undesirable information. The FDCPA demands that third occasion creditors mail written validation interior of 5 days of preliminary touch. This validation certainly contain the call of the unique creditor, volume, dates, and notices of your the excellent option to dispute. there is not any requirement for the series company to coach they very own the debt -- they won't surely very own the debt, yet are gathering for the unique creditor. you are able to ask for data which you owe the debt. in case you already be attentive to that the debt is yours and are merely attempting to stall or create a loophole, cease enjoying video games. you will do greater useful to artwork on negotiating a freelance. the series company would decide directly to serve you with a summons and produce data of the debt to courtroom.