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I have been reading like crazy. It seems that in order for a Debt Validation to be valid, in needs to be sent to CA within the 30 days provided by law. If I understand correctly, a notice has to be sent by the CA 5 days after 1st contact with consumer, and only then you have 30 days to dispute and ask for validation. In my case, I never received any notification, never received any communication from CA. I found out by Alert of Credit Report. In my Debt Validation Letter I specified that I had never received communication by them and that my letter served as initial communication and that I was under the 30 days of when they first reported to credit bureaus. I also added a bunch of other stuff. I then proceeded to dispute with CRA's and some have already responded as verified, 12 days after the CA received the DV. They would be clearly in violation of several sections of FCDPA & FCRA if my validation letter is valid. Now in my case, they never sent any type of notification nor contacted me. I read the below statement and I am freaking. I havent found what is the allowed time the CA has to validate your debt, and if they are legaly required to respond. The only thing I found, is that they can decide not to respond, but they also have to stop any collection activity. Can they stop, and then 6 months later start again? Is the below statement true? "Can I dispute the debt after the validation period? Technically, you can send a debt validation letter after the 30-day validation period. However, the debt collector isn't legally required to respond to your validation request. Nor does the collector have to stop collection activity on the account. To exercise the rights given to you by the FDCPA, you should send your validation letter within 30-days of receiving a debt validation notice." Thanks in advance for your time and attention. |
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