Legal Question in Credit and Debt Law in Florida

I noticed a company on my credit report that I never heard of. I decided to send them a letter asking them to verify the debt they were claiming I owe, they never contacted me before hand. They sent me a letter with NO verification that read �the Fair Debt Collection Practices Act states, �Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the original creditor is owed.�� I could not find that anywhere in the FDCPA. Instead I found section 809.a.4 that states ��the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector��. Have they now violated section 807.10 (��deceptive means to collect or attempt to collect any debt��), and may now be subject to a fine of up to $1,000?


Asked on 7/15/10, 5:21 am

1 Answer from Attorneys
Angelo Marino Angelo Marino Jr. PA

Send letter to cedit agencies and to collector. See my website under sample forms for a letter. If that does not work, see me or an consumer lawyer. Want to know the law? Sign up for our free newsletter on varies areas of the law by sending an email to [email protected] and requesting the newsletter, or go to www.ConsumerLawyerHelp.com. See www.FL-PI-Lawyer.com for your personal injury needs.

Read more
Answered on 7/23/10, 5:20 pm


Related Questions & Answers

More Credit, Debt and Collections Law questions and answers in Florida