I ran across a similar post from late last year but the thread ended without an update of the conclusion.....so, hoping someone can assist.
I recently sent a validation letter to Trident Asset Management who is negatively reporting to my CR. Although I had an idea as to what the debt might be, I had never received any written or telephoned contact from this CA about the debt (NSF check). In my brief validation letter I requested them to tell me what this debt is, how they calculated amount owed, and copies of any papers showing I agreed to pay. *Debt is still within SOL for my state but I need to address this account in order to obtain a mortgage. They did send me a copy of the NSF check which was written for , but they did NOT explain to me how they calculated their stated balance of $220.00. Below is part of their response:
The remainder of the letter contains most of the verbiage you'd expect in a typical dunning letter, "unless you notify this office within 30 days after receiving...." and also including the "This is an attempt to collect a debt....." disclaimer along the bottom.
I've done so much reading as of late that now I'm thoroughly confused Even though this validation is many years overdue, since the second half of the letter is actually a dunning letter (thanks Asset!) and the 1st half of the letter is the validation, aren't they now in violation of trying to collect a debt with out 1st providing me complete validation? They are obviously open to PFD since they state it in the letter directly so should I now use the violation as leverage to try and negotiate a lower settlement or ?? And any idea what the
I've goggled OPS 9, LLC but there is still next to no info. out there on this company. Anyone know if it's a JDB? From the previous post, not only was the business address the same for both companies, but the stated Agent was the same person for both companies as well....hhhmmmmm....something seems a little odd here.
Thanks in advance!
There probably is not special circumstances, just standard sales "Hey I have a deal for ya you know you wanna give me your money!!".