I am in the state of Pennsylvania.
I am being sued for an old credit card debt. I replied to the complaint using the rules of civil court. The mandatory arbitration hearing is Oct 31.
The original complaint was filed under an incorrect address. The address is a valid address, however I do not live there and have never lived there. The address is for the wrong street and the wrong +4 Zip code. I have never received anything from the debt collector other than when I was served the suit papers by the local sheriff. The local sheriff delivered the civil suit papers even though the address on them was wrong.
I found out about the Fair Debt Collections Practices Act and was advised to request debt validation from the collector. I sent a certified letter requesting debt verification over a month ago and I have the return receipt to prove that I sent the request.
The debt collector has not responded to my request for debt validation.
What should I do at the arbitration hearing on the 31st if the debt has still not been validated? What should I do about the fact that the address on the papers is wrong and I never received anything from the collector prior to being served?
Any guidance on this matter is appreciated.
Thank you.
Theresa
I am being sued for an old credit card debt. I replied to the complaint using the rules of civil court. The mandatory arbitration hearing is Oct 31.
The original complaint was filed under an incorrect address. The address is a valid address, however I do not live there and have never lived there. The address is for the wrong street and the wrong +4 Zip code. I have never received anything from the debt collector other than when I was served the suit papers by the local sheriff. The local sheriff delivered the civil suit papers even though the address on them was wrong.
I found out about the Fair Debt Collections Practices Act and was advised to request debt validation from the collector. I sent a certified letter requesting debt verification over a month ago and I have the return receipt to prove that I sent the request.
The debt collector has not responded to my request for debt validation.
What should I do at the arbitration hearing on the 31st if the debt has still not been validated? What should I do about the fact that the address on the papers is wrong and I never received anything from the collector prior to being served?
Any guidance on this matter is appreciated.
Thank you.
Theresa