Mitchell N. Kay
Date: Fri, 03/06/2009 - 12:07
They are permitted to call you once during the validation period
They are permitted to call you once during the validation period in an attempt to settle. If you attempt to settle you will resart the statute of limitations. I would wait them out!
Thank you for your information. I understand (thanks to your fo
Thank you for your information. I understand (thanks to your forum) that they do not have a time limit to produce evidence of validation. What could I expect next? --Very glad I joined your forum just today.
Froggy...I have to disagree with you on this one. The one more
Froggy...I have to disagree with you on this one. The one more phone call rule is in response to a cease comm letter. If you're DV was timely, w/in 30 days of receiveing their initial dunning letter, they must cease all collection activity until a time as such validation is provided. That means no phone calls, no settlement letters, nothing, until validation per FDCPA is provided. Their calling with the settlement offer is a violation but, if you didn't get it on tape, it didn't happen. If you're DV was outside the 30 day validation window, all bets are off. As far as re-setting SOL, only a payment, a written promise to pay or acknowledgement of the debt in writing can reset the SOL. There are a few exceptions to the rule but not many.
I sent the DV within the 30-day window (thanks to your forum).
I sent the DV within the 30-day window (thanks to your forum). I do have the recording of the automated message left. Is there a legal book to consult about such matters? You guys are stellar!