Fair debt collection practices act section 809 b validating debts

However, this is not a violation because the Fair Debt Collection Practices Act (FDCA) as the debt collectors do not require to dispute unless those are supposed to validate the debt or give any specified actions allowed by law.

A great place to start is reading this article and our most recent article entitle Debt Validation Myths.There are millions of delinquent accounts in the country and it is not uncommon for credit account records to get lost, deleted destroyed, misplaced or deleted.This is something that becomes difficult for collectors to validate a debt.Quote: Initial Debt Collection Dispute Letter Today's Date Your Name Your Address Collector's Name Collector's Address Dear , I am writing in response to your (letter or phone call) dated , (copy enclosed) because I do not believe I owe what you say I owe.This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts: (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Fair debt collection practices act section 809 b validating debts