What constitutes debt validation?
I’m told that if a firm refuses to validate a debt under the FDCPA, they may not legally collect the debt. Further, I’m told that a billing statement is not considered proof. Is that true? If so, can someone cite the law so I can cite it in court? My situation is that I’m being sued by Weltman, Weinberg and Reis for a Discover credit card bill. I’ve asked, twice, in writing, for them to validate the debt and they have sent me nothing but a recent statement. That’s nothing but a total figure–nothing says how much is owed for what purpose. Am I right that a billing statement is not legally considered proof? Thanks so much for the help. I’ve learned a lot already by reading many other posts. This is a great forum.
