John
Louisville,#2Consumer Comment
Mon, December 08, 2008
Send a letter via Certified Mail + Return Receipt to Palisades stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. Per the Fair Debt Collection Practices Act, the burden to validate the debt falls on the debt collector. It is not my responsibility to validate this alleged debt for you. If your firm has the info to place this item on my credit report, then you need no further validation of my identity. Receipt of this validation request is being time stamped by the USPS. Either validate this alleged debt within the 30 day time period as allowed under the Fair Debt Collection Practices Act or remove it from my credit files If this notation is not removed, I will have no choice by to take legal action per my rights under the Fair Debt Collection Practices Act. I also file reports with the Attorney General and the BBB.
Dave
WR,#3Consumer Comment
Sun, December 07, 2008
When you put a dispute in the info is investigated and if they find that there is documentation the account will stand. However, if the docs they have in fact do not have your signature that is something else. Request the collection company to send you copies of the documents they have. Send them a certified letter requesting the info.