I've seen this before actually. Some CA's think that you have 30 days to dispute a debt from the time they contact you about it and if you don't dispute it within that 30 days you're giving up your rights to dispute it and you're admitting that it's yours.
I think CAs misinterpret the law for their benefit. CRAs do the same thing.
I agree 100% with what Trish says here:
Quote:
the whole "30 day" time frame that they are trying to use.........is merely stating that you have 30 days to respond with a dispute and IF you do not respond within 30 days of their initial collection letter, they can continue collection activity. NOWHERE does it say that if you don't dispute it, you lose your right to validation.
Also the second paragraph is just to let you know.......that even if you didn't dispute it in a timely manner........that doesn't mean you're admitting it's your debt.
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They are twisting the law to make it seem like you have some how given up your rights permanently because you missed that initial 30 day time frame which is complete bullshit. Save that letter for the FTC! That could end up being a gold mine for you (and other consumers). That could possibly shut them down. I mean, how many other consumers are they telling that shit to?
I would ask them to show you exactly which law and which section of that law they are getting that from and like Trish said, let them know that you're not an idiot by showing them the section of the FDCPA that you are talking about which gives you the right to request validation anytime you want.
Keep a paper trail from here on out!