If you are receiving letters in the mail and phone calls from debt collectors, pay attention to it. Collection debt is serious. It is not “really” regulated on who is using what type of tactics to collect. It is serious because it could get worse for you. You do not want to wish it away. You can make it go away before it gets to be a critical legal matter. Most judges are unaware of how collectors operate. You do not want to go to court because you ignored the collectors letters and calls.
The letters and calls could go from bad to worse. You could be sued. There are debt collectors who are infamous for suing for small debt collection amounts. It is not to be taken lightly when you receive a collection letter in the mail. The typical “dunning” letter from a debt collector states that you have 30 days to reply. This is true. This is law. You could write to them outside of 30 days and they still will not be able to validate the debt.
Also, if you were sued by a collection attorney (are they really an attorney?), most likely they do not have valid account information. However, with techonology and computer printing, anything can be created and printed that looks official in court. This could be an affidavit or a bill of sale.
There is no guarantee that they will not validate your account. It is 99% true that they do not have the information to send you when you request it. The risk of 1% is what you are up against. The only reason you would need to talk to a debt collector is to get their physical mailing address. Do not converse with anyone!!! Get the address – that is all!!!
Send that letter! Get the debt collector to validate your “account”. So do not stick your head in the sand like an ostrich as the saying goes. Take action.
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