A debt collectors non compliance with your letter or your right to dispute the debt generally may be a violation of your fdcpa rights. The debt collectors response to your validation request if the debt collector does not send you proof of the debt any future collection efforts are in violation of the fair debt collection practices act.
Free Debt Validation Letter Template Fair Debt Collection
When debt buyers or collection agencies are assigned debt it is generally done by way of an excel spreadsheet.
Debt validation letter response. What to do after sending your letter if the collection agency doesnt respond. Since they have not sent you any validation of debt send them a notice that until they can provide proper validation of debt they cannot attempt any collection on that debt. Certified letter sent no response.
And they have 20 days from the date they receive the letter to provide proper validation of the debt or all collection attempts must cease. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt all instances related to this account must be immediately deleted and completely removed from my credit file. Sending a debt validation letter on a valid debt also potentially arms the debt collector with the means to escalate their collection efforts against you.
Nor does the collector have to stop collection activity on the account. As a point of note let me remind you that the debt collector has 30 days to respond to the debt validation. Debt validation letter responses.
There are no statements. Use this letter to draft your own personal letter but only if youve already sent an initial dispute letter and the collector failed to respond. Note that your account may be assigned or sold to a new debt collection agency.
Moreover all future attempts to collect on the said debt must be ceased. It might be a good idea after sending an initial debt dispute letter to send a follow up debt dispute letter reminding the collector of your dispute and request for validation. To exercise the rights given to you by the fdcpa you should send your validation letter within 30 days of receiving a debt validation notice.
By law the collector has to notify you that you are entitled to ask for a validation of the debt within 5 days of contacting you that you owe the money. There is no contract. What the response should contain is proof that you actually owe the debt.
Debt collectors must provide a debt validation letter to confirm details of the debt including how much is owed and the name of the debt collector contacting you. Technically you can send a debt validation letter after the 30 day validation period. However the debt collector isnt legally required to respond to your validation request.
The collection agency has 30 days to respond to your letter which is why its important to send the letter and request a receipt upon the agency receiving it.
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