First I got a text on March 15th "stating we need to speak to you regarding your account." which I ignored thinking its a scam. March 16th I got a call from a debt collector same company and I talked to him and mentioned I am already talking to OC so I am not sure why they hired you to collect but either way I am taking care of it and you don't need to contact me. I settled with the OC but the debt collectors kept calling me repeatedly even after I had already paid the OC. I didn't know about debt validation and today is April 16th so what steps can I take to make sure I do not lose my rights to validate the debt.
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