On 12/12/05 Love Beal and Nixon PC sent me a letter stating they were collecting an account on behalf of Colorado Capital Inv. The letter stated the amount and the debt collector miranda warning.
While trying to perfect a vaildation and dispute letter within the 30 days, they filed a summons and petition of which I recieved service on 1/8/06. The summons and petition was actually filed on 12/27/05 just 15 days after the sent the original letter.
Both the summons and the petition for the most part resembled a debt collection letter with the miranda warning. There was no hearing date set although they directed me to file an answer.
I sent my dispute and validation letter and asked for everything to prove they were entitled to collect, a competent calculation of the amount starting with the OC, a contract or agreement showing that I agreed to pay what they say I owe and stating the terms of interest, assignments, etc. Etc.
Keep in mind that this debt was purchased from another debt collector by Colorado Capital Inv. And than given to Love Beal and Nixon PC to collect.
Love Beal and Nixon's response to my request for validation was the balance of which I already had in their first letter, the date it was placed with them for collection, and the name of the OC but no address, FDCPA violation.
There was no accounting of the amount, no contract to prove anyone had right to claim or that I agreed to pay. I asked them to provide me with information to show that the SOL was not expired, nothing.
Any advice on this situation?
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