On or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, my daughter XXXX was taken to XXXX XXXX. On both occasions we were fully insured, in fact in XXXX, we had double insurance. XXXX XXXX XXXX, contacted me regarding this debt on or about XXXX XXXX, XXXX. I responded to his notice on XXXX XXXX, XXXX and advised him that his notice was both deficient and improper and requested validation of debt. XXXX XXXX did not provide verification as he is mandated to do under federal law nor at anytime did he make me aware that all he needed was insurance information. On or about XXXX XXXX, XXXX, XXXX XXXX filed a complaint, knowing that I disputed the debt. I was never served with the complaint and then on XXXX/XXXX/XXXX he moved for a judgment and a writ of execution without ever serving me with those papers so that I could request a court date and dispute this process. A call to my insurance company reveals that these XXXX debts were never submitted for payment and in NJ this company is under contract with my insurance and is not allowed to bill me until after the claims are first submitted to my insurance. My credit is ruined as a result. If XXXX XXXX has responded as he is required to do under federal law I could have provided the necessary information. He is clearly in possession of the information necessary to provide verification as he provided to the court when he filed for a writ of execution. 
