Legally validating a debt

The law firm responded by sending a second letter and ledger providing more details about the charges.

Under the FDCPA, your right to dispute the debt has three separate components: How do I dispute the debt?Within thirty days of receiving the written notice of debt, send a written dispute to the debt collection agency.The FDCPA doesn’t cover debts you incurred to run a business. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it.And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there. Under § 1692g(b), if a consumer notifies the debt collector in writing within thirty days of receiving the § 1692g(a) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer.

(FDCPA), creating the most consumer-friendly verification standard ever.

Debt collectors can contact you by phone, letter, email or text message to collect a debt, as long as they follow the rules and disclose that they are debt collectors.

No matter how they communicate with you, it’s against the law for a debt collector to pretend to be someone else — like an attorney or government agency — or to harass, threaten or deceive you.

When you are contacted by a debt collector about a personal debt, you have the right to demand that the debt collector verify the debt before taking additional action to collect the debt.

A federal law, the Fair Debt Collections Practices Act (FDCPA) requires that a debt collector inform you of your right to demand verification at the time of its initial contact with you.

Not all bills are subject to the FDCPA's notice requirements.