To validate the debt, you must act quickly once the debt collector contacts you. Under the FDCPA, you can let the outside debt collector know that you want them to stop contacting you. The law requires that they stop contacting you, unless they tell you that they are going to stop trying to collect the debt or that they are taking specific legal action against you, such as filing a lawsuit. The name of the creditor requesting payment.
However, obtaining that information can help you determine if you really owe this debt, if you have passed the statute of limitations, or if there is an error, such as an exaggeration of the amount due. If you believe that a debt collector violated the FDCPA while trying to collect a debt from you or during the debt validation process, consider talking to an attorney to advise you on your options. The FDCPA also requires that the collector disclose in the initial communication that they are trying to collect a debt and that any information they obtain will be used for that purpose. In addition, if a debt collector violates the FDCPA and you sue him in court, you may be able to recover different types of damages, including monetary damages, fees for lawyers and more.
If a debt collector contacts you regarding a debt, the Federal Fair Debt Collection Practices Act (FDCPA) gives you the right to request debt verification. The Federal Fair Debt Collection Practices Act (FDCPA) gives you many rights when dealing with third-party debt collectors. Even if you have no reason to contest the validity of the debt, the FDCPA still allows you to request verification. One of the most powerful tools available under the Federal Fair Debt Collection Practices Act (FDCPA) is to require the debt collector to verify the amount and validity of the debt you are trying to collect.
It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or doesn't respond to your verification letter. Unless your state law provides otherwise, the FDCPA only requires debt collectors, not original creditors, to verify debts under certain circumstances. If you believe that a debt collector has violated the FDCPA by trying to collect a debt from you, consider talking to an attorney for advice. about your options.
