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Are back billing statements legal proof or validation for credit card debt in MI?
Wiki User
∙ 15y ago
Validation must include the following:
~Proof that they own the debt legally or have been legally authorized to collect it from you.
~A complete payment history documented from your original creditor.
~A copy of the original loan contract that you signed with your creditor.
So no you did not get validation of debt.
Send the collection agency a letter telling them that you still dispute the debt because they still have not proved the debt is yours, and unless they can provide valid proof by means of signed contract, then they must remove the debt from your credit report and stop attempting to collect.
Wiki User
∙ 15y ago
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