FDCPA section 809 questions..

Where did you see all that? I couldn't find it anywhere.

This part "If the consumer disputes the debt, the attorney may still take legal action but must cease collection efforts until verification is obtained and mailed to the consumer."

This is wrong, collection efforts would be counted as legal action. If they cannot validate the debt for you then how are they going to prove their claim in court?

I got the info from ftc.gov website under fdcpa statutes and then commentary.

By what I am understanding this to mean, all I have been told is wrong?? SO confused now...

the part about disputing debt is confusing,but once you put it into motion it is simple.the attorney doing collections can still collect within the 30 day period unless the debt is disputed.if the debt is disputed all collection activity must cease.in short.they still can attempt to collect in the 30 days,but if they file a suit you can ask for validation during discovery phase of the suit.either way there is no wiggle room for collectors.whether they are attorney's or regular collectors.

that is why you should dispute any collection letter.as soon as you get it.in this day and age you never know.