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Shouldn a proper validation also include DOLA, including when the last payment was made?

April 26, 2017payment validation

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Shouldn a proper validation also include DOLA, including when the last payment was made?

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Everything I’ve read (except for a few nutjob “sue everybody all the time” sites) says that validation requirements are very very basic. A copy of the statement at the time of chargeoff is probably sufficient. Maybe not sufficient proof for court purposes, but plenty for FDCPA / FCRA.