Old Phone Bill - Junk Debt Buyer

[LisaPedro]

I recently recieved a Bill from a collection Agency claiming that I owe $503.38 to Verizon dated back to April of 2000.
> When I called to question them they stated that the bill is actually due to Bell Atlantic but that Verizon bought them out. They say they were conducting an audit. This is the first that I have heard of this and until now, I have had very good credit. How can they ask for a debt to be repaid that is eight years old?? Considering that bank records only go back seven years, how would I prove that they are wrong ?

[debt.validation]

This is the reason why the statute of limitations was adopted. The only way to prove anything is demand validation certified mail, return receipt. If they cannot prove the balance is correct and valid, you don't owe them. The burden of proof will be on them unless they sue you, then it will be up to you to defend yourself. Here is a free downloadable debt validation letter you can use that worked for me: http://www.expert-credit-advice.com/Let ... tter17.htm

***********************************************************************************************

Certified Mail #:_________________________________________________________________

To Whom It May Concern,

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by“_____________________” or “_________________________________________” for me, _______________________, for
account number _________________________________.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely resolution to this matter.

Name: __________________________________________________________

Social Security Number: _________-_______-____________

Date of Birth: ____________________________

Current Address: ________________________________________

Previous Address: _______________________________________

Sincerely,

_____________________________________
Signature

Date: ________________________________________