did they violate the fdcpa
If my first contact with a junk debt collector (portfolio recovery associates) was a summons and complaint, which I've answered, doesn't that violate the fdcpa's laws allowing me to validate the debt? I sent the debt validation letter with their copy of my answer and motion of appearance. Every thing I read says they don't to provide the validation after the suit has been filed. Also can I amend my answer to include affirmative defenses if I didn't include them originally?