Christopher Sean Wheaton's Answers

What further steps should my girlfriend take to deal with this debt collector? Is it FDCPA suit time?

A few things here. 1. Being charged off is a function of SEC laws and does not mean that the debt no longer exists and cannot be collected. 2. If someone if collecting on a debt past the statute of limitations, you likely have rights under the FDCPA. 3. The validation/disputation does require the debt buyer to list the debt as disputed on your girlfriends credit report but there is no obligation to send her validation unless they continue to collect the debt. Essentially, they can...