Is a pre-suit demand letter required prior to a debt collector filing suit? When debt collector (who is not the original creditor) files suit, are they required to identify the original creditor and also provide proof of ownership of the debt?
I last heard from this debt collector (phone call) in mid -2009. I asked that they stop calling and to contact me in writing. I never heard from them again. I never received a 30 day letter giving me an opportunity to dispute the debt. Last year they filed a complaint. They did not identify the original creditor and though it has been brought to their attention several times, they have not provided any proof that they still on the debt.
What can be expected if the matter goes to trial?