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I have obtained a judgment on a personal injury claim, I assigned a debt collector to collect the judgment, the debt collector stated in his initial letter to the defendant the following: “This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose”. But he didn’t include in writing that the debtor (defendant) has the right to dispute the validity of the debt within 30 days “mini Miranda” or Rosenthal notice, which I believe should be included with the first written notice initially addressed to a California address of a debtor in connection with collecting the debt
As a result the defendant notified the debt collector that his office has violated the FDCPA and Rosenthal Act, and he informed him that he shall file a civil lawsuit against the collection agency.
Did the debt collector violate the law?