If a debt was not validated within 60 days of dispute, What rights do I have if the creditor starts collection actions a year later?
Assuming you’ve followed all of the creditor’s dispute requirements outlined in the credit disclosure statement and the creditor failed to meet the requirements outlined in this document as well, you have a valid complaint. Put your complaint in writing, be specific and reference the credit disclosure statement. Keep accurate records of your efforts to resolve this. If on the other hand, you’re dealing with just a collector, there is no requirement for collectors to validate a debt within 60 days. The only time limit spelled out in the FDCPA is the 30 days you have to dispute the debt. Collectors can take as much time as they need to properly validate a debt. If the collector failed to validate the debt and is now pursuing collection actions, you have a valid complaint and potential lawsuit against the collector for violations of the FDCPA.
Related Questions
- I fell behind in my payments and my creditor turned my debt over to a collection agency. The collection agency is bordering on harassment, what are my rights?
- If a debt was not validated within 60 days of dispute, What rights do I have if the creditor starts collection actions a year later?
- Has the Fair Debt Collection Practices Act been Violated by a Creditor?
