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I'm new to this forum but after googling Hunt& Henriques I decided to join. I just received my first letter from them stating capital one has engaged this law firm to collect the outstanding debt which is $4550.00. After reading other posts I'm wondering what I should do first. Most of the other post are after people have been served. Thank you in advance for the reply.

Send a debt validation letter via certified mail first. This should be your first step.

Sub: #1 posted on Thu, 01/18/2018 - 16:40

(Posts: 3855 | Credits: 390.52)

Yes, you must send a debt validation letter to your collection agency, let's see what they have to say about this.

Sub: #2 posted on Fri, 01/19/2018 - 12:41

tiarajoseph11 tiarajoseph11

(Posts: 254 | Credits: 37.61)

As per The Fair Debt Collection Practices Act (FDCPA), a debt collector should send you written validation of the debt. If you not yet received it, then ask them to validate the debt. first.

Sub: #3 posted on Fri, 01/19/2018 - 18:37

sanderspatricia29 sanderspatricia29

(Posts: 497 | Credits: 53.02)

Hey Edward, it also depends on which state youre in as well. Where are you based?

Sub: #4 posted on Fri, 01/19/2018 - 22:43

August Urbish August Urbish

(Posts: 3 | Credits: 0.28)

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