The one thing to consider if a debt collecor files a suit against you in state court, you can file a Notice of Removal to Federal Court. The reason being is that the state court lacks jurisdiction, for debt collectors are governed under the FDCPA "Federal Law". Especially if you requested validation from the get go. Once removed to Federal Court the debt collector has to have an attorney that can play ball in that juridiction, which costs a lot more $. In many cases the case can be dismissed from the gates.



R1