Most collection attempts by debt collectors start with a letter. The first letter or whats called in the collection industry, a "G Notice" after the specific law requiring the letter (15 USC 1692g), must include your "G notice" mandatory dispute and verification rights. The initial letter must advise you that the business is a debt collector and that you have 30 days to dispute or seek verification of the debt and that the debt amount is verified. Your request must be made in writing. Here is a free letter to fill in and send within 30 days of receiving the first collection letter.Validation Request Letter. ( Click to download ). You must send the letter certified, return, receipt requested and hold on to a copy of the signed letter and green card. Then you have proof they signed for the letter in case they claim not to have heard from you while continuing to collect.
Validation Letter Response
Once the debt collector receives your validation request, they are not allowed to contact you until they have properly validated the debt and debt amount. Placing a debt on your credit report is considered debt collection and is forbidden until they validate the debt and debt amount. 50% of debt collectors won't even contact you again or validate the debt. The law does not require the debt collector to validate the debt unless it intends to continue the collection efforts. If the debt collector continues to contact you without validating or places the debt on your credit, you have a case under state and federal law.
Statute of Limitation is Six Years
Further, if the debt collector is collecting upon a debt that is past the statute of limitations (six years from the last payment made on the debt), there must be language in the "G Notice" letter that advises you that they can't sue you on the debt. If you don't want them to contact you at all, here is a free cease and desist letter: Cease and Desist Letter ( Click to download ). Be advised that if you send this letter and the debt is less than six years old, they may sue you in response. The cease and desist letter is best used in cases where you know the debt has passed the statute of limitations or you don't owe the debt.
Free Help and Class Actions
If you need help with collection letters or the collection efforts are continuing, please email or fax us your collection letters. They could be worth thousands if the debt collector is breaking the law. If they broke the law in one letter, they likely broke it hundreds, even thousands of times across their entire mailing list and that could the basis for a class action. Recently, A New Jersey law firm was forced to pay a $49,500 class action settlement over the language the firm used in their collection letter.
We file Individual Actions or Class Actions on letters you provide us. So, fax or email us your collection letters and we will get right back to you. In a collection letter case, we seek money damages for you and seek our attorney fees and costs from the debt collector under federal collection laws. Thank you.