I received a notice from Creditors Interchange regarding a debt originally owed to Chase bank. I sent them a request for validation; what they sent back were copies of statements for the past year (which was a little odd since the due date on the most recent statement from Chase was AFTER the date we were notified by CI that we owed them the money). There was nothing in there about them having obtained the debt from Chase - do I assume that, because they were given access to the statements, they're legit? Also, I see a lot about a copy of the original contract between the debtor and the creditor? Is that really required, or cany they get by without sending that? If I owe a debt then I owe it, but I want to make sure all of the proper steps have been followed and the correct information has been given to protect me from getting screwed.
If the statements aren't certified then they don't stand as legal evidence towards validation. Yes, a copy of the contract is an evidence.