certified mail..

Certified mail is too expensive for debt collectors. They send out thousands of letters a day.
Once a DV is sent all collection efforts must cease until the debt is validated. It collection continues it is a $1000 violation of the FDCPA, however finding an attorney who will accept such a case is near impossible.

Thanks,,

That explains why the guy was so mad when he called. he was literally yelling and screaming at me, and it was all nonsense!

since they did not respond to the debt validation letter, and all collection activity must cease, does that mean that they will just sell off the debt to another collection agency? Or, after they do not validate the debt, is the matter considered settled?

there is no time limit to respond to a debt validation letter UNLESS state laws say so.

If they do sell off a disputed debt it must be marked as disputed for the next buyer. If the next buyer trys to collect on it, question it. If it is not marked as disputed, sue the person who sold it. If it is marked as disputed, sue the current owner. Sometimes it is better off including everyone in a lawsuit and let each defendant prove their case

Thanks Irish,

there is no time limit to respond to a debt validation letter UNLESS state laws say so.

I understand. I sent the debt validation letter under Notary Protest, and issued a "certificate of dishonor". all this means is that I went the extra step, took a pro active step, in the letter, it states, " you must respond within 30 days, failure to do so will result in a "certificate of non response". Additionally, in the letter, I put that they are only allowed to notify me by sending all mail to the notary, and objective third party.

This works like a dream. Lays down the ground work for me winning my lawsuit. Additionally, non compliance results in additional damages, since I sight consumer laws that are broken.

Collection agencies are not able to deviate from their typical practice, and they rarely file answer. But if you ever get sued, it laws down the ground work for a counter suit, and helps the case get dismissed.

I got a $50,000 case dismissed because I threatened a lawsuit, ( I know, ballsy) and they attorny dismissed the case. Thats why I would rather go to court, than deal with these scumbags. At least that way, you can negotiate the crap off your credit report, etc..

But when they dont sue, and they just peddle the paper elsewhere, thats more nerve racking.


If they do sell off a disputed debt it must be marked as disputed for the next buyer. If the next buyer trys to collect on it, question it. If it is not marked as disputed, sue the person who sold it. If it is marked as disputed, sue the current owner. Sometimes it is better off including everyone in a lawsuit and let each defendant prove their case

Ok, when you say, "disputed" are you talking about on my credit report? How can you tell this information, (ie, who sold it).

do you have any resources?

You cannot just sue a debt buyer because you disputed the debt with the previous debt buyer that had that debt. Thats a waste of your time. There is no law that makes such an obligation for one debt buyer to pass on the "disputed" label when they sell a debt to someone else. If that were the case, then anyone who didnt want to pay a debt would simply say "I dispute it" and then no debt collector could touch it. Saying you dispute the debt doesnt make it all of a sudden disappear--many people dispute debts that they know they owe. Declaring that you dispute the debt only means that the debt collector you filed that dispute with must investigate it and report the proof back to you. It is not transferrable to the next debt collector--you must dispute the debt with each new debt collector that calls you on it if its a disputed debt.

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