Are electronically produced billing “statements” proof of validation of debts?
No, and we develop a paper trail where the collector is on notice that uncertified statements of account are not lawful evidence for purposes of validation. However, you need to understand that we are not just disputing the account/validity of any charges. We are identifying and developing claims where the creditor and/or collector is not in compliance with the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, and other state and federal consumer protection laws. These claims are separate and apart from any claims that a collector may try to assert against you.
