If you only go by "what you read" here's the statute

Posted by JR (205.188.208.41) on May 07, 2003 at 13:43:30:

In Reply to: Re: Oral disclosure of rights will not hold up.... posted by scott on May 07, 2003 at 10:12:55:

I know I said I wouldn't respond but, you're not reading the statute, so I am compelled to send it to you.

A.1 Cross-Reference Table of 15 U.S.C. Section Numbers
With Public Law 95-109 Section Numbers
The Fair Debt Collection Practices Act, as currently codified at 15 U.S.C. § 1692 et
seq., is reprinted in this Appendix. However, many cases and articles, as well as the FTC
letters included in Appendix I of this manual, refer to the Public Law 95-109 section
numbers instead. To assist the attorney when reading material containing the latter
numbers, the following table is provided. The Public Law 95-109 section numbers are
also in brackets following each heading of the Act reprinted in this Appendix.

802 - 1692 Ch. 3 Congressional findings and declaration of purpose

803 - 1692aCh. 4 Definitions

804 - 1692b § 5.3.6 Acquisition of location information

805 - 1692c § 5.3 Communication in connection with debt collection

806 - 1692d § 5.4 Harassment or abuse

807 - 1692e § 5.5 False or misleading representations

808 - 1692f § 5.6 Unfair practices

809 - 1692g § 5.7 Validation of debts

810 - 1692h § 5.8 Multiple debts

811 - 1692i § 5.9 Legal actions by debt collectors

812 - 1692j § 4.2.5 Furnishing certain deceptive forms

813 - 1692k Chs. 6, 7 Civil liability

814 - 1692l § 6.12 Administrative enforcement

815 - 1692m § 6.12.1 Reports to Congress by the Commission

816 - 1692n § 6.13 Relation to State laws

817 - 1692o § 6.13.2 Exemption for State regulation

§ 1692g. Validation of debts [Section 809 of P.L.]
Notice of debt; contents

(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.

Disputed debts

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that
the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or acopy of ajudgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor,
is mailed to the consumer by the debt collector.
against any consumer shall—

(1) in the case of an action to enforce an interest in real property securing the consumer’s obligation, bring such action only in a judicial district or similar legal entity in which such real property is located; or (2) in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity—
(A) in which such consumer signed the contract sued upon; or
(B) in which such consumer resides at the commencement of the action.
(b) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

Follow Ups:

Post a Followup