Finance House

What is the name of your state? IL

Back ground on this debt. My wife prior to our marriage was engaged to a dead beat. In order for them to get rings she had to open a joint account with dead beats father (Deadbeat had lousy credit). Account was opened with Jeweler. Deadbeat goes with Father and they buy the ring. A few weeks later the engagement was broken off and my wife returned ring to father. This was back around 1993. She has never heard anything from anyone since this. I know she did not sign for the ring itself and I would be surprised if they have her signature on the joint application (maybe they do).

I had a CA call me in May regarding this debt that I beleive is not valid. We sent a letter certified RR disputing the debt and asking for it to be validated. I got the green card back with a received date of 5/21/02. Never heard or recevied anything back from the CA. Last night we got a call from a atorney saying that she was representing the CA. I told her that I did not believe this was our debt, and that I already sent the CA a validation letter and it is disputed. She said that she would have her client validate the debt. .

In addition the orginal letter from the CA says the follwong:
"Be advised that our client ABC Co, recently purchased your defaulted household finance account, that may have orginated with XYZ Co but most recently being serviced by the 123 co."

On the credit report there is a listing for XYZ co, that says its a "Conditional Sales Contract Installment" the account has a open date of 12/92 and a balance date of 05/93. Account status is paid as agreed.
The balance is zero.
There is NO collection activity on the account and never heard of these other companys.

What should we do now? The 30 days have long since lapsed, the CA never answered our validation request

How can I make this go away? Should I send another letter? Should I get a lawyer?

Also the CA letter is addressed to Deadbeats father and MY wife with MY last name.

Sorry for the length of this message!!!