<prompt> Human: TX ill also be posting this in rlegaladvice Boyfriend was not good with money before i came along, purchased a car with payments that he could not afford in 2016 he stopped paying on the car, car was repoed and was sold at auction and after that was never contacted about the remaining balance on the vehicle. today he received a call from a debt collector about the vehicle, they scared him but threatening to sue, he called me all freaked out. he said he talked to his mom who said to ignore them until they sue i told him that is a VERY bad idea. I advised him to call them back and asked for Debt validation they emailed him a settlement letter that states an account , balance, settlement amount, current creditor, original creditor, and original account , can they count this as a validation of debt, or should we sent in a written request for validation and tell them to pound sand until we get the correct info? if so what all should be on a validation of debt?  <response>: If you think this debt will go away from a validation of debt - thats not going to happen. Your boyfriend owes money to this creditor and needs to start working with them.He could settle for a smaller amount - but thats going to stay on his credit as settled for a long time and cause a hit on his credit.Or he can start making minimum payments and also try to pay down the principal. This way it can eventually be closed and reported as paid in full - but his late payments are still going to show on his credit. 