In her lawsuit, the Tenant argued that the Law Firm violated the Act by failing to provide in the Notice a thirty -
day validation notice, as required by the Act; by failing to make disclosures in the Notice that it was trying to collect a debt, as required by the Act; and also that the Notice contained threats that the Law Firm could not legally carry out.
Then this new collection agency called ABC Collection Agency sends you a collection letter but you either trash it, or don't respond to their 30
day validation notice to «validate the alleged debt», then ABC Collection Agency has the legal right to put a new negative listing called a «collection account» on your credit reports.
Not exact matches
Unless provided in the initial contact, within five (5)
days, every debt collector must send a written «
validation notice» indicating how much money you owe, the name of the creditor you owe, what dispute rights you have if you think you do not owe this debt, and how to obtain information about the original creditor.
Your debt
validation request must be in writing received by the collector within 30
days of receiving the debt
validation notice from the collection agency.
Within 30
days of receiving a collection
notice, contact the collection agency in writing requesting
validation.
From the time you have received the
validation notice information, you have 30
days to send your written
notice of dispute to the agency.
Continue to collect if they have not sent you written debt
validation notice with FIVE
DAYS of initial contact with you.