FRCP - Rule 1002. Requirement of Original To prove the content of a writing, recording, or photograph, the original writing, record, or photograph, is required, except as otherwise provided in these rules or by Act of Congress.
FRCP - Rule 1003. Admissibility of Duplicates A duplicate is admissible to the same extent as an original unless (1) a genuine question is raised as to the authenticity of the original or (2) in this circumstance it would be unfair to admit the duplicate in lieu of the original.
I'm brand spanking new to all of this and am just trying to get up to speed on a variety of things as quickly as I can. I found this site from posts on validation and related to the Sample Letters provided here (good stuff!).
I found the above while searching and wonder if anyone has come across this, and if so, have you used it successfully or not. I know that this is related to Federal procedures, but I've been told that it would be likely that all states would have in place something that would mirror this. The bottom line is that from what I can see, it seems to suggest that as part of a validation request that you'd have the right to demand a copy of originally signed documents -- which I would think would be the initial credit application.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.