paul kuferstein and associates
Date: Wed, 08/10/2005 - 19:31
paul kuferstein and associates
Oh, and I called my county clerk, and she said that no suit has
Oh, and I called my county clerk, and she said that no suit has been filed against me. This makes me concerned because the associate said that the lawsuit had already been filed against me.
Hi worriedintexas Welcome to the forums. I will suggest you t
Hi worriedintexas
Welcome to the forums. I will suggest you to read this forum extensively as it will help you in making you aware of your consumer rights. Although, the laws in US and Canada are somewhere inter-related but they will have to provide you complete information on the said debt. This process is called debt validation and you can make yourself informed reading this article
http://www.debtconsolidationcare.com/validation.html
It is your legal right to know the complete details of your account and if they can't validate the debt, you have the right to refuse payment.
Please do not stress yourself regarding this matter. They are using scary tactics so that you start making payments hurriedly. Please do not get intimidated at their calls and ask them to validate the said debt. They need to provide you with the following information.
- The details of the account.
- All the calculation should be shown of the amount that is owed.
- Any copies of the papers to be furnished that shows the payment agreement.
- Provide a verification or copy of any judgment if applicable
- The original creditor needs to be identified.
- The Statute of Limitation needs to be proven for the collection of the debt.
- The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
- Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
- Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
- A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
Regards
Roxette