Hello again all -

I have a question for the legal experts here on the list. Is it true that
Federal Law requires that upon your request, all creditors must show you
written proof that the account in question is in fact yours, and that the
only acceptable form of written proof is a copy of the contract you signed
with the original creditor? I am disputing a something on my credit report
whcih just appeared there a few months ago which never existed before that,
and the collection agency says that the burden of proof is on me. I don't
see how it is possible to prove that you don't owe anything. Any help here?
Thanks

-Jim

On Thu, 10 Jul 2003 01:12:44 GMT Radioactive Warthog <jimstaros@yahoo.com> whittled these words:
I have a question for the legal experts here on the list. Is it true that Federal Law requires that upon your request, all creditors must show you written proof that the account in question is in fact yours, and that the only acceptable form of written proof is a copy of the contract you signed with the original creditor? I am disputing a something on my credit report whcih just appeared there a few months ago which never existed before that, and the collection agency says that the burden of proof is on me. I don't see how it is possible to prove that you don't owe anything. Any help here?

NOt sure if this answers you real questions - but it might point you in
the right direction:
http://www.carreonandassociates.com/validationofdebt.htm
http://www.privacyrights.org/fs/fs17a.htm
http://www.edcombs.com/CM/Opinions/opinions65.asp

If you search using
creditor debt validation

you will get a lot more resources.

Diane Blackman

Diane

Thanks for the info- it has helped alot. It seems that it is true, the FTC
statute requires that the collection agency provide documentation from the
original creditor that the debt is valid and send it to me. Just sending
the summary of the charges from the collection agency is not sufficient. I
talked with the hospital that I supposedly had a bill from, and they said
that they necer sent a notice to the collection agency, so it looks like I
am ok here! Thanks again - now for the fun part, trying to convince the
agency that this needs to be deleted. From talking to them today, it
doesn't seem like they will go gently into that sweet night.

-Jim

<TOTE@dog-play.com> wrote in message
news:beihlv$5nfl0$1@ID-80796.news.dfncis.de... On Thu, 10 Jul 2003 01:12:44 GMT Radioactive Warthog <jimstaros@yahoo.com>
whittled these words: I have a question for the legal experts here on the list. Is it true
that Federal Law requires that upon your request, all creditors must show you written proof that the account in question is in fact yours, and that
the only acceptable form of written proof is a copy of the contract you
signed with the original creditor? I am disputing a something on my credit
report whcih just appeared there a few months ago which never existed before
that, and the collection agency says that the burden of proof is on me. I
don't see how it is possible to prove that you don't owe anything. Any help
here? NOt sure if this answers you real questions - but it might point you in the right direction: http://www.carreonandassociates.com/validationofdebt.htm http://www.privacyrights.org/fs/fs17a.htm http://www.edcombs.com/CM/Opinions/opinions65.asp If you search using creditor debt validation you will get a lot more resources. Diane Blackman

Radioactive*Warthog wrote:
It seems that it is true, the FTC statute requires that the collection agency provide documentation from the original creditor that the debt is valid and send it to me.
I talked with the hospital that I supposedly had a bill from, and they said that they necer sent a notice to the collection agency,

If this is a bill from a hospital, you have an alternative method of
obtaining deletion from your credit report.

You are posting your questions in the wrong forum for accurate answers
on credit report corrections.

If you go to my website, linked below, you will find 3 forums listed
where you can get specific infomation.

In addition, if you go to the "special letters" section, you will find
one for health care providers that will likely provide you with a
solution.

A friend of mine in Conneticut had a similar problem. When he went to
refinance his house, there was a negative item from a collection agency
on his credit report. A hospital in St. Louis had waited twelve years
for his group medical insurance to pay a claim and then turned the
matter over to a collection agency.

Since his employer had gone out of business, my friend had no way of
verifying that the claim was ever paid. Fortunately, my friend is a
member of a pre-paid legal plan and he turned the matter over to the
attornies for the legal plan. The attornies wrote a letter to the
hospital and the hospital had the negative item removed from my friend's
credit report.

--

Greg Ferro
Independent Associate
Pre-Paid Legal Services, Inc.
//http:www.prepaidlegal.com/info/gferro

Radioactive Warthog wrote: Hello again all - I have a question for the legal experts here on the list. Is it true that Federal Law requires that upon your request, all creditors must show you written proof that the account in question is in fact yours, and that the only acceptable form of written proof is a copy of the contract you signed with the original creditor? I am disputing a something on my credit report whcih just appeared there a few months ago which never existed before that, and the collection agency says that the burden of proof is on me. I don't see how it is possible to prove that you don't owe anything. Any help here? Thanks -Jim