Legal Question in Credit and Debt Law in California
how long is an attorney allowed to take to validate a debt when they received the letter requesting it within the 30 day window? And if they don't, what can I do?
2 Answers from Attorneys
I don't know what the hell you are talking about. I will review your situation for $100 and give you an answer.
15 USC 1692g provides, in part that
"(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."
So, essentially, the only verification that the collector must provide to you is the name and address of the original creditor, or a copy of the judgment. If they don't do that, they are not supposed to be attempting to collect the debt.