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Ely, Counselor at Law
Category: Legal
Satisfied Customers: 102184
Experience:  Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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Debt collector sent me a summons. I answered and sent a debt

Customer Question

Debt collector sent me a summons. I answered and sent a debt validation letter asking for1. Agreement with the creditor that authorizes you to collect on this alleged debt
2. Verification that this debt was assigned or sold to collector
3. The agreement bearing my signature stating that I have agreed to assume the debt
4. Valid copies of the debt agreement stating the amount of the debt and interest charges
5. Complete payment history on this account along with an accounting of all additional charges being assessed
6. Show me that you are licensed to collect in my state; and
7. Your license numbers and Registered AgentThey just sent me a few statements. I don't feel like I know that they are the ones that actually own the debt. Is that enough info from them and should I try to settle this or should I wait and see if they provide more info?
Submitted: 12 months ago.
Category: Legal
Expert:  Ely replied 12 months ago.

Hello and welcome to JustAnswer. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.

I am sorry to hear about this situation. When you state "summons," do you mean that they actually sued you? Or, that they sent a demand letter requesting payment?

Customer: replied 12 months ago.
Demand letter threatening to sue. It looks like a law suit but no case number ***** if I didnt respond in the 20 day window they could open it and win. I answered within the 20 days.
Expert:  Ely replied 12 months ago.

Thank you. See HERE. It is hard to define what debt validation really is. Some federal districts are content with just a name and address. Some however want a contract.

What part of US are you in?

Customer: replied 12 months ago.
washington state
Expert:  Ely replied 12 months ago.

Eastern or western Washington?

Customer: replied 12 months ago.
Expert:  Ely replied 12 months ago.

Thank you. That district so far has no strong precedent as to what is and what is not validation. Therefore, without specific case law, most courts will likely state that simply name, address, and confirmation of identity is enough.

As such, it would not hurt to begin negotiating.

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