Jace
Chicago,#2Consumer Suggestion
Sat, March 10, 2007
Not sure if it's technically called a debt validation request or dispute of debt, but you can find samples on this site or at budhibbs.com. I believe you have to do it in writing rather than over the phone, and in any case it provides hard copy proof that you tried to resolve the situation. Basically it's a form letter asking Boyajian to prove you owe a debt which he has legal claim to. The regulars here have done that (myself included) and never heard back from him. And the odds of him actually suing you are about the same as winning the Powerball lottery. As Steve, a longtime poster here once said, Jackie couldn't find a courtroom if he fell through the roof. Boyajian and his merry band of misfits (oops, sorry, convicted felons) are content to send out nasty letters and try to intimidate you over the phone, rather than pursue legal means to collect a debt. Think about how f---ed up that is. Glad to hear you're smart enough not to send a check to get them off your back. If you did, they would probably come back after you claiming you owe more. Jackie Boyajerk has done similar things in NY and CT, which got the state attorneys general there to sue him for fraud. As far as I know, those cases are still pending. Do not let this vermin goad you into paying something you may not even owe (or is so far past the SOL that they can't legally collect it anyway).