Wow, How wrong Paul is. Apparently he is a collector and won't disclose. You are correct they must validate the debt, and no it is done to slow the process it is the law. The purpose the law was enacted was because collection agencies were reporting debts incorrectly and most of the time fraudulently against companies and individuals, many times the debts were paid in full already and or actually did not belong to entity and or the person. The law was enacted to keep collector honest and the vendor honest as well. By the way here is another little tid bit for you whenever a third party collection agency is contacting you THEY MUST disclose who they represent, the name of their company, their name and contact information - it is the law. To relieve you of harrassing phone calls just send them a letter via certified mail to cease any and all verbal communication and they must communicate in writing. This will avoid any threats, misinformation, makes the collection agency and yourself to work within the laws that govern them, and should the collection agency violate any portion of the law you have documentation and you can file for sanctions against them. In some very extreme cases proceed with criminal prosecution.
SameBox Response from "paulmergel":you know nothing about me.what in any of my notes or responses gives you any notion of what i am.other than your opening shpiel your post is good.