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recently, I have been served on a credit card debt. I requested a debt validation from my creditor, they sent back a stack of computer generated statement on the account with the affidavit from the original debtor, stating that this is true and correct amount owed. I don't know what to do next, is the copy of statement and the
affidavit sufficient or do they have to sent me an original contract that signed by me when I first got the card- please advise
Ask them if the person on the affadavit is willing to accept a subpeona to testify on their behalf, I doubt they will, this affadavit probably did not even come from the original creditor, they send these out along with credit card statements.
I had the same thing happen, these are called John Doe affadavits, I do not believe they are real people on them.
hello Goodnatured!!
thank you for respond back to my posting, if you mind--can I ask you what happen after that
HI Ian,
Wait till they validate your debt properly. When you ask for debt validation to a collection agency, ideally they should send the statements of your outstanding balance, document stating that they are allowed to collect this debt and a copy of the original contract between you and the creditor. After your debt is validated, you have to pay it. If you are unable to pay the entire amount, then you can try to negotiate and settle the debt with the creditor.