What happens when the alleged lender does not respond to the Debt Validation?

When we asked for information regarding the transaction, they refused to provide it. We asked for Validation of the Debt; they refused to provide it. We asked the creditor to please convince us/you that the creditor had not involved you in a crime. They refused to answer; therefore, you stopped making payments because you did not want to participate in a crime. Without meeting their obligations under the Administrative Procedures for a Private Remedy, the creditor starts collection activities. You are counter-claiming and seeking damages for the tort the bank committed against you because you are a victim.

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