Posted on: 06th Sep, 2009 03:06 pm
I have a debt that has been written off. It was turned over to collections but after sending a validation letter I never heard from them again..It has been 2 months..Now I am getting calls that hang up on me from different numbers..I know it is a collection agency as I have googled the number....My husband does not know about this debt..It is because of my son that was in a terrible accident and almost lost his life that I cannot pay it..Can I legally quit claim our home to my husband without him knowing it? He would die if he knew about this..We are in our 70's...Our home is paid for. Thank you..
Hi Della!
Welcome to forums!
You've mentioned that you send a debt validation letter to your creditor and he has not responded to it in 2months. You should note that if your creditor fails to validate your debt within 30 days of receiving the letter, then you are no longer liable to pay the debt as per the Fair Debt Collection Practices Act.
Thus, your creditor cannot collect the dues from you or harass you. I would suggest you to contact an attorney and let him deal with your creditor. As far as transferring the property to your husband is concerned, I think he needs to be informed. You should check out with an attorney if your state laws require him (i.e. the grantee) to sign the quitclaim deed.
Feel free to ask if you've further queries.
Sussane
Welcome to forums!
You've mentioned that you send a debt validation letter to your creditor and he has not responded to it in 2months. You should note that if your creditor fails to validate your debt within 30 days of receiving the letter, then you are no longer liable to pay the debt as per the Fair Debt Collection Practices Act.
Thus, your creditor cannot collect the dues from you or harass you. I would suggest you to contact an attorney and let him deal with your creditor. As far as transferring the property to your husband is concerned, I think he needs to be informed. You should check out with an attorney if your state laws require him (i.e. the grantee) to sign the quitclaim deed.
Feel free to ask if you've further queries.
Sussane