if they didnt valite a debt you have to write to the credit berue(not sure how to spell it) that the debt was not validated and ask credit berau to send you documents they have on file. they have to, by law, have original documentation that the debt is valid and send it to you, if not, they have...
also, if the account if out of SOL, they have absolutely nooo right to sue you, depends on state. i feel ur pain, imm going thru the same thing. i had a judjement where i wasnt even informed. the next thing i know is my account is frozen and now i have a public record. the collection agency who...
i am sooooo sorry that no one had replied to you questions. i stumbled on you comment today when researching everything there is to know about debt owed to creditors and colection. first i'd like to say that i can help you. i'm not sure if you will recieve this message since it has been written...