Expert: Creditwrench - 4/2/2010

Question
I got a letter from LBN on 3/10/10, saying I owe $10,400 dollars to FIA Card Services, It had a file Number from LBN. I sent a request for debt validation on 3/22/10. They responded on 3/26/10 with a computer generated letter, The original creditors name (BOA),  with the total amount due, the last 4 of my SSN and a incorrect account number for the credit card number. I responded back with a Notice of Insufficient Verification because any one can get basic info like the last four of a SSN. They do not even have a correct account number from the credit card company. I did reject LBN attempt to validate, and stated that they must remove the collection from my credit report or I will file lawsuit. What actions might I start to prepare for that might help to protect my rights?

Answer
You should not have disputed their debt validation attempt. You can also expect that they will quickly file a lawsuit against you. What actions might I start to prepare that might help protect your rights? Right now I would suggest that you do nothing at all. In fact, you already did more than you should have. The idea of trying to protect your rights is not quite the right way to look at it. I'm not going to give you any hints or helps in this forum because I have a case going with them right now and since a great deal of what I post here finds it's way into Google search results very quickly I'd only be giving them a heads up on what I will do next. I have filed my response to the court so right now I'm just waiting for their next move. Of course, I already know what that is likely to be but maybe they will come up with something unexpected. I'm not worried about what that might be however because I have something up my sleeve that they have probably never had done to them before. It should be fun and should make them very, very angry. So because I have an ongoing case with them I'm not going to be talking about it here. I'm sure they Google their name and maybe mine too in order to see who is talking about them and what is being said about them. If you want to learn what I'm doing and what happens you will have to call me at (405) 237-2174.