I'm wondering if I should follow up with a CA that failed to validate a debt after I sent a certified mail request that they do so. What happens if I simply do not contact them again after they ignored my validation letter? I have copies of everything that was sent, the certified receipt and green return receipt that they signed. I have a follow up letter that NanaC posted and also Lizard posted one as well. I"m just curious as to what would happen if I didn't follow up. Thanks.
Shirley: Contrary to popular belief, youâ??re not required to do anything as a consumer. Further more, the collection agent can take as long as it likes because they arenâ??t under any time frame for compliance with FDCPA. Please do yourself a favor and write your own letter, simply stating (memorializing) that youâ??ve received nothing thus far. Thatâ??s it, period! Donâ??t get into any legal twists or presumptions; just state the fact and close. Next, since the collection agent can do nothing until the validation is honored. Kickback and enjoy learning about credit matters with us, read a good book, or watch the sunset; anything but contact the CA again. [;-)
