Is it legal to ask an original creditor to validate a debt?

You can ask the creditor whatever you want. There is no law requiring a creditor to validate a debt. However, if they sue you for it, then they are...

Do I have a defamation claim?

Did they make a false statement of fact (as opposed to opinion)? If yes, then you might have a libel claim. If not, then you probably do not.

Who is actually responsible for the bill since it was involuntary?

There are some wrong answers in this thread. I would like to let everyone know: it is NOT a violation of FDCPA to attempt to collect debt past the...

Can I sell something as "working" when it isn't in 100% working order, or is the false advertising illegal?

Generally speaking, it is illegal to sell something as "working" when it is not working. See NY GBL 349 (the catchall deceptive acts and practices...

No. This is a scam. It's probably not worth responding.

How do I go about getting more information regarding individual bankruptcy?

Call a bankruptcy attorney and ask them if they are willing to meet for a free initial consultation so that they can evaluate whether filing...

Cease and desit letter sent out and getting more collection letters on the same debt.

Talk to an attorney who does Fair Debt Collection Practices Act cases. He or she will be able to help you on contingency.

Can I garnish my ex's NYS Disability?

No, those funds are exempt from execution.

Do I have any recourse and how long can they attempt to collect on the debt? Is there any way to settle for a lower amount now?

I recommend that you share the letter with an attorney who is familiar with the Fair Debt Collection Practices Act (FDCPA). There is a chance that...

How do I fight the debt collectors/creditor?

You should contact a local attorney familiar with the Fair Debt Collection Practices Act (FDCPA) who can help you with disputing the debt and...