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Yes, you are in fact still allowed to ask for validation. However, the validation letter is primarily used as a defense in court if it goes that far. By making a payment, you have implicitly assumed responsibility for this debt, and records of that payment may in fact serve as proper validation. Moreover, you are most likely going to receive a letter stating the original balance and account holder. But don't be discouraged, there are many other things you may be able to find that were done in error of proper procedure, such as the "mini-miranda" statement not being included. My advice is to read and become familiar with the FDCPA, FCRA, and Fair Credit Billing Act. From there, review the collection activity, and of course even after a payment, you are able to dispute the debt for the whole or part amount. Which means, you can continue to insist on documentation regarding the life of the debt, even though you have implicily assumed responsibility.
Good luck
What else can I help you with?
How can I request a debt validation letter from a collection agency?
To request a debt validation letter from a collection agency, you can send a written request within 30 days of being contacted by the agency. In your letter, ask for proof that the debt is valid and provide your contact information. Keep a copy of your letter for your records.
Can you provide me with a request for debt validation letter?
Here is a concise request for debt validation letter: Your Name Your Address City, State, Zip Code Date Debt Collection Agency Name Debt Collection Agency Address City, State, Zip Code Subject: Request for Debt Validation Dear Sir/Madam, I am writing to request validation of the debt you claim I owe. Please provide me with detailed information regarding the debt, including the original creditor, the amount owed, and any relevant documentation. I also request that you cease all collection activities until the debt is validated as per the Fair Debt Collection Practices Act. Thank you for your prompt attention to this matter. Sincerely, Your Name
How can I effectively get rid of collection agencies?
To effectively get rid of collection agencies, you can start by paying off your debts or negotiating a payment plan with them. You can also request validation of the debt and dispute any inaccuracies. Additionally, you can seek help from a credit counseling agency or a consumer protection attorney for guidance on dealing with collection agencies.
How can I request collections to be removed from my credit report?
To request collections to be removed from your credit report, you can contact the credit bureau and the collection agency in writing, providing evidence to support your request. You can also negotiate a pay-for-delete agreement with the collection agency to have the collections removed in exchange for payment.
Can the collection agency be sued for not providing validation of debt after it has been requested?
Anyone can be sued for anything. Whether you will win is another matter. If a collection agency demands a payment and cannot or will not provide proof that the debt is valid, it should not be paid. You might then have a case for harassment if they continue to demand payment without validating the debt.
How can I request a debt validation letter from a collection agency?
To request a debt validation letter from a collection agency, you can send a written request within 30 days of being contacted by the agency. In your letter, ask for proof that the debt is valid and provide your contact information. Keep a copy of your letter for your records.
Can you provide me with a request for debt validation letter?
Here is a concise request for debt validation letter: Your Name Your Address City, State, Zip Code Date Debt Collection Agency Name Debt Collection Agency Address City, State, Zip Code Subject: Request for Debt Validation Dear Sir/Madam, I am writing to request validation of the debt you claim I owe. Please provide me with detailed information regarding the debt, including the original creditor, the amount owed, and any relevant documentation. I also request that you cease all collection activities until the debt is validated as per the Fair Debt Collection Practices Act. Thank you for your prompt attention to this matter. Sincerely, Your Name
How can I effectively get rid of collection agencies?
To effectively get rid of collection agencies, you can start by paying off your debts or negotiating a payment plan with them. You can also request validation of the debt and dispute any inaccuracies. Additionally, you can seek help from a credit counseling agency or a consumer protection attorney for guidance on dealing with collection agencies.
What steps should I take if a US collection agency contacts me regarding an outstanding debt?
If a US collection agency contacts you about an outstanding debt, you should first verify the debt is valid and accurate. Communicate with the agency in writing, request validation of the debt, and consider negotiating a payment plan. Be aware of your rights under the Fair Debt Collection Practices Act and seek advice from a financial advisor or attorney if needed.
How can I request collections to be removed from my credit report?
To request collections to be removed from your credit report, you can contact the credit bureau and the collection agency in writing, providing evidence to support your request. You can also negotiate a pay-for-delete agreement with the collection agency to have the collections removed in exchange for payment.
Can the collection agency be sued for not providing validation of debt after it has been requested?
Anyone can be sued for anything. Whether you will win is another matter. If a collection agency demands a payment and cannot or will not provide proof that the debt is valid, it should not be paid. You might then have a case for harassment if they continue to demand payment without validating the debt.
How do you find out who you owe if the collection agencies keep selling the account?
When a consumer receives a notice from a collection agency requesting payment of a debt, the consumer should always present to the agency a written request for confirmation of the debt owed.
Can you make payment to a collection agency?
Yes.
What is the process for sending a validation letter to a collection agency?
To send a validation letter to a collection agency, you need to write a formal letter requesting validation of the debt they claim you owe. Include your name, address, and the account information they provided. Send the letter via certified mail so you have proof of delivery. The collection agency must respond within 30 days with verification of the debt or cease collection efforts.
In Arkansas can a collection agency sue you if the original creditor accepts payment on the debt?
If the debt was sold to a collection agency and the original creditor accepted payment AFTER the debt was sold, the money does not belong to them. If, however, you paid the debt and it was mistakingly sol after that payment, the collection agency can't try to collect. If you have proof of payment, forward it to the collection agency and deman in writing that they cease trying to collect this debt.
What steps can I take to address a collection agency complaint effectively?
To address a collection agency complaint effectively, you can take the following steps: Review the complaint carefully to understand the issue. Gather all relevant documentation and records related to the debt. Contact the collection agency in writing to dispute the claim and request validation of the debt. Keep detailed records of all communication with the collection agency. Consider seeking legal advice or contacting a consumer protection agency for assistance if needed.
I have a medical bill for 168.00 that was sent to a collection agency after I made a payment. They are going to keep in the collection agency until my bill is paid off. This can not be right.?
If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.
