I have received collection letters from CA's recently with misinformation about the 30 day dispute period. Imagine the poor people who don't visit creditnet and believe their lies. BTW - I am not avoiding these debts. They are medical bills, all to the same Dr. from an accident. There seem to be problems with the Dr. office submitting the bills to my insurance. Spoke to all of them today, it is actually funny...The CA notice I received today is for a Dr. visit 4 months ago!!! From Transworld: "Above claim still outstanding. Upon expiration of the statutory dispute period, we will assume your debt to be valid as provided by Federal law." "There are a number of ways of effecting collection of a debt, some necessary, some unnecessary. blah, blah. Our demand for payment does not affect your right to dispute this debt as described in our first letter." From IMBS: "RE: Validation Notification" I have never contacted this CA, or the original creditor. This is also from my accident, and I am waiting for ins. to pay. Are others seeing this kind of stuff? I think they are trying to head off our lawful efforts to correct our credit. Most people would not know what a "validation" is. Why would they put this on the letter?/ Kinda' crazy... = ]
Federal Law does NOT give them the right to assume the debt valid if you don't dispute it within 30 days. In fact, taken from rule 609 of the fdcpa: (c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Interesting, LKH. I did not know that. Do you think they know the law and twist it, or their just ignorant of the law? I have not seen these kind of remarks on CA letters before. Does it matter if they are making statements that are untrue?
