Validating act

Although you can ask for many details, debt collectors are only required to provide information on the original creditor, the balanced owed and the name of the person who owes the debt before resuming collection efforts.

Getting even that amount of information, however, can help you determine if you actually owe this debt, if it’s past the statute of limitations, or if there’s an error such as overstatement of the amount owed.

In such a case, it is requisite that the consent of both parties to the marriage had not ceased and that their marriage had had the external appearance of a true marriage.

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. Before you pay a dime to a debt collector, confirm that the debt belongs to you.

If you’re still uncertain about the debt you’re being asked to pay, you can send the debt collector a debt verification letter requesting more information.

This option is best if you plan to pay the debt in collections.

It’s a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

If you encounter such behavior, you can file a complaint with the Consumer Financial Protection Bureau.

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However, outside of that, there are some very good reasons to exercise your right to request validation of the debt.If you send the letter within 30 days of the first contact, the debt collector must stop trying to collect payment until it verifies that the debt is yours.You can still send a verification letter after the 30-day mark, but the debt will be assumed valid and the collector can continue to seek payment while it responds to your letter.Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you.This notice will state ​your right to dispute the validity of the debt within 30 days.

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