I need some advice. At the beginning of June my dad informed me that he had gotten a call for me from a Ms. Ventura from Regional Credit Solutions. I got a voicemail from her about a week later. I chose to ignore it. Ms. Ventura called me again a week later and I called her back. She informed me that she was calling about a payday loan I had taken out in 2011 with Payday One. I neither confirmed or denied I had a debt (I do have a debt, but I don't think its the amount they say I owe). I requested she send something in the mail to me and she also offered to email me the document. A week went by without receiving anything. She called me again wanting to know if I had gotten the email and I informed her that I had not and that I also hadn't received anything in the mail. I got an email later that day with what looked like a dunning letter or validation letter. The current creditor was listed as Northern Solutions Group. I have never heard of them and haven't had any correspondence with them. If they are the current creditor then who is Regional Credit Solutions?? Ms. Ventura called me the next morning threatening to send my file to the investigator to have me served, because it had been 30 days since they had been trying to work something out with me. I plan on mailing a request for verification to dispute it.
In summary, here are my questions:
Is a validation letter sent via email considered written notice by law?
Can they serve me before I have a chance to dispute the debt?
Why would the current creditor be different from the CA that is contacting me?
Do I need a dunning letter from Northern Solutions Group for this to be valid?
I have myself convinced that Regional Credit Solutions is a scam. I have done a ton of research and haven't come across anything that gives me reason to trust them. But now another CA has been thrown into the equation and I can't seem to get as much information on them.
I am so confused and I DON'T want to fall victim to a scam! Please help!