So BofA sent my account to collections fairly quickly-I defaulted in February. A letter arrived yesterday informing me of such, and that I had 30 days to respond if I wanted to request validation that the debt is mine, etc... They made no mention of a lawsuit, they're just trying to get me to pay. Should I respond in writing stating that they need to validate the debt? Will this slow the process down or is it really meaningless at this point? We will probably be filing in September or October.
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First letter received from a collection agency-how to respond?
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