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Posted: Mon Apr 14, 2008 5:13 am Subject:

OK, so now I'm really confused. From what I'm reading then, the CA's have a way of getting around this 30-day right to dispute by filing a lawsuit?

Maybe I'm overanalyzing it, and I'm certainly not expert so I hope someone can clear it up for me.

Posted: Mon Apr 14, 2008 5:43 am Subject:

Either way Ron, you can still request validation during discovery.

Posted: Mon Apr 14, 2008 6:42 am Subject:

Many "law offices" are really collection agencies who have borrowed a license. If they make you think that they are lawyers, even without saying so, they can be liable for practicing law without a license. I am involved in such a case right now! I thought I was talking to a lawyer or paralegal until I heard all the call center noise in the backgroung. Turns out it was a rent a lawyer agency!

Posted: Mon Apr 14, 2008 7:55 am Subject:

But if you read it like that, if it isn't considered initial communication, then there had to have been communication BEFORE they filed suit. Since a lawsuit is considered collection activity, it would trigger another part of the FCRA and FDCPA.