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What happens when a collector does not answer a debt validation letter?

If a debt collector fails to validate the debt in question and continues trying to collect, you have a right under the FDCPA to countersue for up to $1,000 for each violation, plus attorney fees and court costs, as mentioned previously.

How do I get a creditor to prove a debt?

When writing the letter, request that the collection agency or creditor provide you with: Documentation that you owed the debt at some point, such as a contract you signed. How much you owe and the last outstanding action on the debt, which can be shown by documents such as the last statement or bill.

Does a debt validation letter work?

Do Debt Validation Letters really work? Yes, they do. When a debt collector receives a Debt Validation Letter, they are legally required to provide validation of the debt. Debt Validation Letters work best when they include a cease and desist clause that forces a lawsuit.

What happens after you send a debt validation letter?

Heres the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter. If you dont dispute the debt within 30 days, the debt is assumed valid. That means the debt collector can continue to contact you. You can still send a dispute after 30 days.

How do I get a debt validation letter?

To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.

what is a debt validation letter

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What happens if a collection agency does not respond to a validation letter?

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. You can report a debt collectors failure to respond to your states attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC.

What happens if a collection agency refuses to validate debt?

If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys fees, and court costs.

What happens if a collection agency does not respond to a validation letter?

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. You can report a debt collectors failure to respond to your states attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC.

What is required to validate a debt?

Debt validation is your federal right granted under the Fair Debt Collection Practices Act (FDCPA). To request debt validation, you must send a written request to the debt collector within 30 days of being contacted by the collection agency.

Can a debt validation letter be emailed?

1692g(a) of the FDCPA requires a debt collector to comply with E-SIGN when emailing the validation notice to the consumer.

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