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22-Dec-2019 06:22

During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.

To be legally valid, your request for proof must be made in writing.

Nor does the collector have to stop collection activity on the account.You should also report violations to the Federal Trade Commission (FTC).Has a debt collector ever contacted you about a debt that you weren’t sure was yours?The collector cannot resume collection activity until it responds to your dispute.

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Technically, you can send a debt validation letter after the 30-day validation period.However the collector chooses to contact you about the debt for the first time is the initial communication.