What legal action do I have against a debt collector who refuses to validate a debt?
Grand Master B asked:
I have been trying to clean up my credit and I have had a lot of luck doing so. Most of the debts have been deleted from my credit report except for a few. But one debt collector has been particularly difficult. Asset acceptance says I owe over a thousand dollars from an old credit cardd. All three bureaus said the the debt was verified by Asset when Itriedd to dispute the debt with themoriginallyy. I have sent at least 3 certified letters over a 4 or 5 month period to them requesting validation of the debt and the have sent me nothing. They still continue to send me bills and are also still reporting the debt to all the creditbureauss. Whats my next step? Can I go back to the credit bureaus and demand them todeletet it because the debt collector obviously can not prove the debt? As a last resort I think I might have to sue Asset in order to get this information deleted from my credit reports, but what exactly can I sue for and how much should I sue for?
Micheal
I have been trying to clean up my credit and I have had a lot of luck doing so. Most of the debts have been deleted from my credit report except for a few. But one debt collector has been particularly difficult. Asset acceptance says I owe over a thousand dollars from an old credit cardd. All three bureaus said the the debt was verified by Asset when Itriedd to dispute the debt with themoriginallyy. I have sent at least 3 certified letters over a 4 or 5 month period to them requesting validation of the debt and the have sent me nothing. They still continue to send me bills and are also still reporting the debt to all the creditbureauss. Whats my next step? Can I go back to the credit bureaus and demand them todeletet it because the debt collector obviously can not prove the debt? As a last resort I think I might have to sue Asset in order to get this information deleted from my credit reports, but what exactly can I sue for and how much should I sue for?
Micheal
Paula
If you challenged the debt through the bureaus, then the company DID verify it. That means you owe the money, and they will NOT delete it until you pay them.