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Have you ever received calls from debt collectors who have contacted you for a debt that you weren’t sure was yours? If you’ve defaulted on your credit card accounts, it is most likely that your accounts will be turned down to the collection agencies and once this is done, you’ll start being harassed by the debt collectors. While some debt collectors may call you for an account that is truly owned by you, there are some others that will call you for a debt that is hardly yours. Under the FDCPA or the Fair Debt Collection Practices Act, a federal law binding the debt collectors, you should immediately ask them to send you a proof of the fact that you owe the debt. This is known as validation of debt and if you want to know more on this, read on the concerns of this article.

Which is known as the debt validation period?

Soon after you complete 5 days after the debt collector has contacted you, he is responsible for sending you a debt validation letter. He should write to you and let you know that you have the right to dispute the validity of the debt within the next 30 days. It is your duty to dispute the debt within 30 days and if you don’t do that, the debt collector has the right to assume that the debt is valid and you owe it.

Submitting the debt validation request – Factors to consider

In order to make the entire process valid, you have to submit the debt validation request in writing and through the debt validation; you can dispute a portion of the debt or the entire debt amount and also request the name of the original creditor. After the debt collector receives your request, he can’t call you until he provides you with the information that you requested.

Waiting for the collector to respond to the debt validation letter

After the collection agency receives the dispute, they’re supposed to send you the proof that will say that you own the debt and the respective creditor is the original creditor. When the debt collector verifies that you owe the debt and the amount of debt matched with what you really owe, you should make sure that there is documentation from the original creditor. And in case, they can’t proof the debt amount, you should stop all kind of payment activities so that you don’t blow a hole in your wallet.

Therefore, according to the FDCPA, the debt collectors shouldn’t harass the debtors or abuse them. If they do, you can report to the FTC or the Federal Trade Commission so that certain solid steps are taken against them. Before you start paying your creditors after responding to their calls, always demand a debt validation so as to save your dollars from going in vain. You may also take help of the professional debt relief companies in order to get rid of debt and avoid getting credit collection calls.

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