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Respond to Creditor and Collector Demands

Certain notices must be properly responded to or you give up some of your legal rights and protection under the Fair Debt Collection Practices Act (FDCPA).  Knowing exactly how, and when, to respond to demand notices and court summons is critical to making sure you are exercising your legal rights when dealing with debt collectors.  One simple mistake can make the difference between forcing them to negotiate and having them seize your bank account or paycheck.  This is not something that should be done by amateurs – debt collectors are pros and they know every trick and technique to separate you from your money.

The Fair Debt Collection Practices Act (FDCPA) in § 809 15 USC 1692g, requires that a creditor validate a debt in writing if you request them to do so. If you notify the debt collector in writing within thirty days of receipt of notice of debt that it is disputed, or that you are requesting 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.  Once they receive your written request for validation of the debt, they are no longer allowed to call you without violating the FDCPA.  Keep in mind that a validation is different from a verification and most collectors will only send you a verification of the debt, not a true validation.  A verification simply states that you owe a certain creditor a certain amount of money.  It will not have the required backup documents to make it a validation. 

The professionals at the Collections Shield™ know how to properly respond to any type of demand notice and force the collectors to validate the debt, not just verify it.  This difference is key should the creditor ever decide to take you to court and try and sue for collections.  Don’t let creditors and collectors trample on you rights – join the Collections Shield™ now and fight back from a position of strength!

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