I sent a debt validation letter for something on my credit report requesting they provide:
1. The agreement with their client that authorized them to collect on the debt
2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
3. Complete payment history on the account to proove the amount and dates are correct.
CA responded that they do not find my response to be valid and that now I need to write back to them and give them a specific reason for disputing the debt and supporting documentation to substantiate my basis for dispute.
I thought that under the FDCPA they had to respond to my request within 30 day without any questions. Am I required to give them a reason for my dispute and supporting documentation - - which btw I don't have hence the reason for my questioning them.
Are they violating the FDCPA by asking me questions instead of providing the information as they should?
By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.