If you offer to settle, then you are admitting the debt. Let the validation process work for you. IF the CA validates, and that means at least a copy of a contract with your signature on it, then you worry about offering a settlement.
If you want to send a letter, do so, and quote the following section of the FDCPA:
"§ 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. "
You would want to itemize each and every call date and time as well as any letters you recieve as proof that you are keeping a log of their violations.
If you want to send a letter, do so, and quote the following section of the FDCPA:
"§ 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. "
You would want to itemize each and every call date and time as well as any letters you recieve as proof that you are keeping a log of their violations.