Should i just start with the series of validation letters? What context are you referring to? Thanks for the help.

Creditwrench students would know better than to follow the advice found on many forums which wis to send any series of validation letters. Here is the reason why one should not follow the advice of the so called experts.

You need to send one and only one. Any validation letters you send after the 30 day period following their initial contact with you would be out of date and could end up hurting you later down the road.

Send them one and only one and then the ball is in their court. They don't have any legal obligation to answer your demand but may not lawfully move forward with any further collection activity until they have provided you with the demanded obligation.

If they do anything at all to collect the debt then the next step is to put the ball back in their court by filing a federal lawsuit on them for illegal continued collection activity.

Keep careful records of any contact with you whatever and when you have them on a few violations then is the time to sue them.

Any other course of action simply wastes time.

Sending a series of validation letters is pure foolishness. The idea was conceived by somebody who hadn't the foggiest idea of what to do or how to go about it. Conceived out of pure exasperation and lack of something better to do.

Become a creditwrench student and learn how to do it the right way.