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Re: Encore- Validation Letter


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Posted by Holly (65.31.87.117) on January 23, 2003 at 22:00:04:

In Reply to: Encore- Validation Letter posted by Sally on January 23, 2003 at 20:37:42:

Validation of debt or proof of debt... If she never heard of it.. ask to speak with someone that does!!!!

Also.. you can dispute the debt within 30 days.. 30 months... they must respond and act on all disputes received in writing....

Here is another thing.. you can verbally dispute the debt and then the collection agency must put your acct on hold .. no duns,calls or cbr reporting for a reasonable amnt of time.. courts have interpeted that to mean thirty days...
thats under the fdcpa and fcra

Some states require that once an account is disputed in writing the ca must update the cbr to reflect the same....


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