I have received a disputed a claimed debt amount that had gone to collections. While I'm sure I owe something, I do not believe I owe the total that was presented. I wrote a certified letter that clearly disputed the debt and requested a detailed accounting. I have heard nothing back.
My understanding is that the creditor is required to respond within a certain timeframe. What is the time frame, and what is the status of the debt if they fail to respond within the required timeframe?