Received a letter from a debt collector and asked for validation within the 30 day period on day X. Debt collector received the request for validation on day X+2 (certified mail). Debt collector wrote a response on day X+21 but never mailed it until day X+40 (have the post mark on the letter) and i received the response from Debt collector on day X+42.
A debt collector doesn't have a specific time in which a response is required; however, they are prohibited from continuing their attempt to collect the debt until such time as they provide a response.
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No. There is no time limitation. The FDCPA only requires that the debt collector obtain the verification of the debt and mail it to the consumer. There is no deadline provided for the collector to mail the requested information to the consumer. See FDCPA Section 809(a)(4):
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I agree with the other responses to this question. There is no set time limit to provide a response under the statutes. Simply being slow to respond does not result in a cause of action against the debt collector.
I am changing this to debt settlement. That is what this is--they are collecting: you are settling.
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No. There is no specific time period within which debt collector must respond and provide validation of debt. Response must be within reasonable time. Reference FDCPA Section 809(a)(4).
Response you described was reasonable.
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