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In other words, you only have the right to request verification of your debt from companies or law firms collecting the debt or which have purchased the debt from the original creditor. A collector's duty to verify a debt only kicks in if you send a specific, written request for verification.
According to The Fair Debt Collection Practices Act (FDCPA), a debt collector must send you written validation of debt within five days of contacting you. If they don't, you can send them a letter to request a validation of debt (see this sample letter).
You have the right to force the debt collector to prove you owe the money. 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.
If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report.
You have the right to force the debt collector to prove you owe the money. 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.
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.
This usually means producing proof that the debt was assigned to it. Often such proof will be a bill of sale, an assignment, or a receipt between the last creditor holding the debt and the entity suing you.
Pick up the phone. Send a letter to the debt collector. Check your credit report for errors. If the problem persists, know your rights and options. Never pay someone else's debt.
For the name and contact information of the original creditor. why the collector believes you own the debt in the first place. for a record of all owners of the debt. the amount and age of the debt (including an account number if you're able). under what authority the collector has to collect.