What is proof that a debt is yours?

Submitted by kayberc on Fri, 02/02/2007 - 22:31
Forums
Credit repair

When request for proof that a debt is yours, if a company sends you photocopies of statements, is that all they need? I have requested debt verification from lvnv collections and this is all the information they have sent. This is not my debt. I guess I'm not sure by law what is is they need to provide as proof.

peter

Hi Kayberc,

It looks like the debt validation is already done when you wrote the letter and they provided you the photocopies. Now, you cannot ask for debt validation again. You must write a debt verification letter saying that the item they show you owe does not belong to you. So, they must give you legit details of the account before attempting further collections.

You have the consumer rights to ask for the following info mentioned in the FDCPA.

Validation of debts - http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

Send the letter through certified mail with return receipt requested. The receipt will be your vital proof of your actions in case they fail to prove the debt and take you to the court. The judge will turn the case in your favor as long as you keep your defense strong.

Peter

Sat, 02/03/2007 - 23:54 Permalink