If I have a credit card debt, but the law firm who purchased the debt violated the Fair Debt Collection Practices Act by not validating the debt upon my request. The Mann Bracken Law Firm ignored my request for the credit card contract and bank s...
The debt and the FDCPA are separate issues. If a debt collector violates the FDCPA, you may still owe the debt.
If Mann Bracken did not produce the contract and statements, it is probably because they do not have them. This may be grounds to have the collection lawsuit dismissed because they do not have the evidence to prove their claims.
On the other hand, if they did not have the documents and could not get them, they could not give them to you in response to your request for validation, so they may not have violated the FDCPA.
If you want better answers, search for a consumer lawyer in Texas. There are a lot of very good consumer lawyers in Texas. The lawyer database at the National Ass'n of Consumer Advocates is a great place to start.See question