Re: Are they required to send collection letter after initial phone contact?
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Posted by Razor
(65.33.36.192) on April 16, 2002 at 15:46:55:
In Reply to: Are they required to send collection letter after initial phone contact? posted by Nanccy on April 16, 2002 at 12:42:01:
YUP I is in the FDCPA, Here is the text. If they havent get a copy of you incoming phon records and wait 10days from 1st contact by phon then file complaint with the AG. You also rack up you 1st violation on them. 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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