Legal Question in Credit and Debt Law in Missouri
A collection agency sent me a notice that I owed a debt of $9500. I sent a letter to prove validation. 30 days elapsed with absolutely no word or proof of validation. I resent a letter stating they had no case and to not bother me again. Now, they have sent it to another collection agency who have hired a lawyer to collect the same debt that the other collection agency refused to send validation on! Is this a case of double jeopardy? I sent these letters as registered mail so I have proof of the above mentioned.
1 Answer from Attorneys
The concept of double jeopardy is a term in criminal law. The collection of debt is a civil matter. You coul dhave claim against the firs tcollection agency if they attempt to collect the debt without obtaining the validation. You did not indicate if you again requested validation from the second collection agency. If you request that they validate teh debt, they must do so beofre taking any other collection activity (including telling a collection attorney about it) or they could be liable to you. Many people misunderstand what validation is. They do not have to provide proof to you of the debt. They need only verify that the debt is legitimate from the creditor.
Good luck
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