You should see if you can talk to the OC.... if they have sold the debt to the CA and won't talk to you, then it might be a good idea to send the CA an unknown debt letter to make them validate the debt first.
They are supposed to at least send you a collection letter. If you send them a DV letter, they cannot answer you with a summons. They must validate the debt before serving you.
It sounds like you know what the debt is for......is it a substantial amount? (over 1k) Is it still within SOL?
You should also check your state's licensing dept and make sure the CA is licensed to collect.
That's just what I would do before hiring an atty.
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~Trish~ |