Legal Question in Credit and Debt Law in Virginia

Re: Debt Collector

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Hate to say this but "it depends." First question, is it on your credit reports? If it is, have you asked for a reinvestigation from the credit reporting agency (Transunion, Equifax, Experian)? There are numerous more questions which must be considered before you have a complete answer. My best advice --consult with a consumer lawyer familiar with these issues. BTW -- the law requires that they validate the debt.

Re: Debt Collector

Send written demand notice that they must provide documentary proof of the debt within 30 days, and that even if they do you'll have to first consult with an attorney before remitting any payment to first determine whether an applicable statute of limitations may have now made the debt unenforceable.