Always Request Verification Of A Debt In Writing.
As a consumer protection attorney, I always advise clients to request, in writing, that debt collectors provide verification of the alleged debt. To put this in perspective, let's say that you receive a letter from a debt collector and you are not sure if this is your debt.
You have thirty (30) days to request verification of the debt. Your thirty (30) days begins to run from the day that you receive the notice that the debt collector must verify the debt. If you wait too long (beyond the thirty (30) days), the debt collector no longer has to verify the debt. So, you want your debt verification letter to be perfectly clear and you want it to be timely. A subsequent blog will address what to put in the debt verification letter.
Please don't put this aside because you don't want to deal with it now.
I want the request in writing, and I want a copy of the envelope with a post mark on it, if possible, or, I want to see that the debt collector received the request by certified mail return receipt requested.
At the Dellutri Law Group, we represent individual who have been harassed and abused by the debt collectors, and we want to empower everyone with the knowledge of their legal rights. We just want everyone to know that debt collector abuse is illegal.
This post was submitted by Carmen Dellutri, Esq., founder of The Dellutri Law Group, P.A. Currently, the firm has offices in Port Charlotte, Fort Myers, Naples and Sarasota. Mr. Dellutri also sits on the Board of American Board of Certification. Mr. Dellutri is also one of the founders of the Bankruptcy Law Network, Debt Law Network, Credit Law Network, and Mortgage Law Network. Mr. Dellutri also writes for the firm's bankruptcy blog, mortgage modification blog, www.faircreditreportingactblog.com and www.fairdebtcollectionpracticesactblog.com.
