Collection agency violated FDCPA regs

You can contact a consumer attorney about making a demand for violations on the letter.

Thanks, I will do that. Should I hold off then on sending the debt validation letter?

Thanks again for your help

Go ahead and send your debt validation letter,but don't inform them of their violations just yet.Let the lawyer's demand letter do that.

thanks again, very helpful info. Have a great day!

As to the "30 day" wording, there's case law regarding even the size of the paragraph. It must be easily seen and read.

The first letter the CA sends must notify you about your rights. The letter must state if you do not believe that the debt is yours then you have the right to dispute the validity of the debt (in writing). The agency is then obligated to send you the evidence that the debt is indeed valid. It is not just the content of the letter but also the envelope that is subject to regulation. The envelope enclosing the letter should not mention anything related to the content of the letter. But do they really bother about these regulations?

Cajun is right (once again). Don't go on about violations of the fdcpa until you plan on suing them. Though it sounds as if they have committed at least two violations: not mentioning the 30 day despute, and making the letter to appesr to have cause numbers or other legal items suggesting that it is in litigation. Remember, if you are thinking of suing them, you might only have one year from the date of the offense according to law.

Hi

If you are planning to sue them then make sure that you have kept a record of all the documents that show they have violated the law.