Its been 60 days since my debt valadation letter-- now what?

I'm not sure what the laws say about this but I've received a validation 60-90 days out but most generally, after I send a DV letter, I get no replies until a new collection agency takes over the account.

hiya--

alright, in just about every state there is no law that requires them to get DV back to you within any amount of time. simply put, the only requirement according to the law in almost every state is that they cannot continue to take any collection effort against you once they get your DV request, until they provide you with proper validation of the debt. this is a federal law, based on the fdcpa.

The law allows them to sell the debt to someone else, or to simply not contact you on it ever again, if they choose not to validate it or if they cannot. You have 30 days to request the validation, but they have no time limit to get it back to you.

one exception is texas, they have a state law that allows third party collectors only 30 days from date they receive your DV request. They either must provide validation within those 30 days or they cannot collect on the debt at all. there may be other states that have a law like this, but as far as i know there might only be one other one, cant think of which one right now. Check your state's debt collection laws to make sure it isnt your state.

its possible that they may take too much time, i know that chase is not good at keeping records of anything if they sell the debt. And, the law requires them to get Dv info from the original creditor, so its possibe that chase cannot validate the info for them. if thats the case, then you wont hear anything and the SOL will simply expire on the debt.