Legally validating a debt

If you are out of the thirty day verification period, you can still send a request for verification, and often collectors will comply.

But they aren’t obligated to do so, nor are they obligated to cease collection activities while sending you verification.

Unless your state law provides otherwise, the FDCPA only requires debt collectors, not original creditors, to verify debts in certain circumstances.

This includes law firms that are routinely engaged in collecting debts.

It is not required to specifically address any particular reason you may have for wanting verification of the debt.

Even if you have no reason to contest the validity of the debt, the FDCPA still allows you to request verification.

A collector may, but does not have to, send information you specifically request in your verification letter.

You may have a particular reason why you want the debt validated.

Sometimes, a collector will provide meaningful information, such as a loan or credit agreement, or a loan history, in response to a verification request.

The verification period allows you to request verification: Note that you have thirty days to request verification from your receipt of the letter—not thirty days from the day the letter is dated.

Additionally, the verification period runs from first contact.

If you request verification within the verification period, the collector must provide you with “verification of the debt.” The law does not state exactly what information the debt collector must provide.

Unfortunately, many courts have determined that the collector can provide very little to you in response to your request for verification.

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