The debt collector must be required to submit the original application for credit with the consumer's original signature and the original letter of approval for the credit. The debt collection company should be required to submit full documentation that the debt actually exists. Too many debt collectors rely on falsified affidavits.
Full documentation per my previous comment - that is the original application for credit with the consumer's original signature and the original letter of approval for the credit. Additionally, statements for the credit showing purchases made with retailer information, amounts and dates. Currently, when you submit a DV to a bill collector, you get a letter back that only says, "we have verified the debt" but they generally don't show any sort of documentation to back their claim.
batchbattery
1
The debt collector must be required to submit the original application for credit with the consumer's original signature and the original letter of approval for the credit. The debt collection company should be required to submit full documentation that the debt actually exists. Too many debt collectors rely on falsified affidavits.
View this comment in the discussion thread
batchbattery
2
Full documentation per my previous comment - that is the original application for credit with the consumer's original signature and the original letter of approval for the credit. Additionally, statements for the credit showing purchases made with retailer information, amounts and dates. Currently, when you submit a DV to a bill collector, you get a letter back that only says, "we have verified the debt" but they generally don't show any sort of documentation to back their claim.
View this comment in the discussion thread