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When writing the letter, request that the collection agency or creditor provide you with:Documentation that you owed the debt at some point, such as a contract you signed.How much you owe and the last outstanding action on the debt, which can be shown by documents such as the last statement or bill.More items...?
Traditionally a very creditor-friendly state, Georgia courts have recently become much tougher on debt buyers, specifically with regard to assignment issues. In Georgia, a party may assign a contractual right to a third party.
To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
The creditor has to prove who the borrower is These include: Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt.
In Georgia, a debt collector can use a bank account garnishment to take ALL the funds in your bank account up to the amount of the judgment plus costs.
Georgia Law & Spousal DebtGenerally, a Georgia judgment-creditor is allowed to pursue the assets of the Georgia judgment-debtor only, and not his or her spouse. However, exceptions apply to this general rule. For example, some forms of jointly held real estate can be attached, as well as joint financial accounts.
I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Any time a collector attempts to collect a debt, you have the right to ask them to send proof of that debt, the amount they claim you owe, and their legal ability to collect the debt from you.
Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and other information. If you're still uncertain about the debt you're being asked to pay, you can send the debt collector a debt verification letter requesting more information.
A debt validation letter should include the name of your creditor, how much you supposedly owe, and information on how to dispute the debt. After receiving a debt validation letter, you have 30 days to dispute the debt and request written evidence of it from the debt collector.