6. Written Notice Debt collectors must send a written notice stating the amount of the debt, the creditor to whom the debt is owed, and a statement that the debtor has 30 days to in writing dispute the debt. Upon receiving written notice that a consumer disputes a debt,
the collector within 30 days must obtain written verification and validation of the amount of the debt, the creditor to whom the debt is owed and must mail said verification to the consumer.
This is wrong
7. Proof of debts Debt collectors are required by federal law to send "verification and validation" of a debt when the alleged debtor in writing disputes the debt within 30 days of a debt collector's first contact.
The debt collector must send supporting documentation proving a debt is owed and until they send proof of debt they may not communicate or attempt to collect the alleged debt
this is right
. It is important the alleged debtor request validation and verification within 30 days of a debt collector's first contact and that the dispute letter be certified return receipt requested, to establish a paper trail.
What Federal Law? I don't care how Big the Law firm is, they haven't read the FDCPA, nor heard from Jack yet. I swear imma call them Monday. This pisses me off.
I visited said web site and had a Live chat session. explained that they are wrong wrong wrong.....
under the FDCPA a collector "must" only cease collection until they provide validation.
III. "Is it permissible under the FDCPA to cease collection of a debt rather than respond to a written dispute from a consumer received during the 30-day validation period?"
Yes. There is nothing in the FDCPA that requires a debt collector to continue collecting a debt after a written dispute is received.
Further, there is nothing in the FDCPA that requires a response to a written dispute if the debt collector chooses to abandon its collection effort with respect to the debt at issue. See Smith v. Transworld Systems, Inc., 953 F.2d 1025, 1032 (6th Cir. 1992).