If I send a validation letter to the ca, even though the debt is over three years old and I've never responded to their letters, does the ca still have to honor the validation letter and provide proof of the debt to me? Even though I never responded within the 30 day time frame of the original letter the ca sent me about three years ago. Also, if they don't respond within 30 days to my validation letter do I send the second validation letter, followed by the third, followed by the estoppel letter, and then sue? Or can I skip the second and third validation letters and go straight to the estoppel? thank you for taking the time to help me, if I could I would throw a party for everyone of YOU.
They don't have to respond to it and they can keep up their collection efforts. Moreover, if assuming you did send a timely request they don't have to respond within 30 days or ever, presuming they don't intend to collect further.
There seems to have been a lot of posts lately regarding this same question. A major point to remember in validation request is that there are differences in what you state or "request". Per the FDCPA, a major difference is if you are "disputing" the debt, or not. Not requesting validation within the first thirty days after written comminucation allows the CA to assume the debt is valid. The FDCPA states that failure by the consumer to request validation of a "disputed" debt does not imply acceptance of the liability. So, be careful in what you request when requesting validation.
