Banks, Collectors, and CRAs Discuss the elimationa of secured and unsecured "debt", as well as tactics for dealing with debt collectors and credit reporting agencies.


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Old 05-24-2005, 05:25 AM
LUKE2447 LUKE2447 is offline
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Received Letter from a DCA with 5 days...

Gave me 5 days to respond... LOL Which part of the FDCPA would I use as this being a violation. I should have received 30 days to respond. Thanks!
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Old 05-24-2005, 05:52 AM
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J.W. J.W. is offline
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LUKE2447:

Just go to Title 15 1692 et. seq.

Jason
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Old 05-24-2005, 06:56 AM
LUKE2447 LUKE2447 is offline
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Thanks, Found it!

USC 15 Chapter 41 Subchapter V > ยง 1692g

(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, 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; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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