It's possible the debt validation notice was included with the first communication. Under the FDCPA, this is allowed as long as the notice is made in writing. Perhaps you missed the debt validation notice. In any case, you can send your request for debt validation regardless of receiving the debt validation notice from the debt collector. Make sure you send request before the 30-day period has ended to ensure your rights are protected.
The collector's debt validation notice to you should be made in writing. It should include the following:
1) amount of the debt
2) the name of the creditor
3) the assumption that the debt will be valid unless you dispute it within 30 days
4) notification that you can request verification of the debt within 30 days
5) notification that you can request the name and address of the original creditor within 30 days
Look at the helpful Resources section under Letters of Credit at the side of this page. You should find one listed there.
Hi Brannonusmc,
You will find a sample debt validation letter in the following link: http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
Hope this helps.
It's possible the debt validation notice was included with the first communication. Under the FDCPA, this is allowed as long as the notice is made in writing. Perhaps you missed the debt validation notice. In any case, you can send your request for debt validation regardless of receiving the debt validation notice from the debt collector. Make sure you send request before the 30-day period has ended to ensure your rights are protected.
The collector's debt validation notice to you should be made in writing. It should include the following:
1) amount of the debt
2) the name of the creditor
3) the assumption that the debt will be valid unless you dispute it within 30 days
4) notification that you can request verification of the debt within 30 days
5) notification that you can request the name and address of the original creditor within 30 days