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2. Debt validation - Wikipedia

   en.wikipedia.org/wiki/Debt_validation

   Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...

3. How to spot debt collection scams: 8 signs to watch out for

   www.aol.com/finance/spot-debt-collection-scams-6...

   A legitimate debt collector usually provides debt validation through a letter before they reach out via other communication channels. The information a debt collector must validate includes: The ...

4. What to do about a bank account levy - AOL

   www.aol.com/finance/fight-creditor-account-levy...

   If you don’t believe the debt is yours or think the amount is incorrect, send a debt validation letter via certified mail. The letter should state that you dispute the debt’s validity and ...

5. What is a 609 dispute letter? - AOL

   www.aol.com/finance/609-dispute-letter-221731481...

   A dispute letter will not eliminate existing debt that you cannot pay (or don’t want to pay). ... it can be an effective tool to fix your credit and protect it from creditors unable to validate ...

6. Debt collection - Wikipedia

   en.wikipedia.org/wiki/Debt_collection

   A debtor has the right to request written validation of the debt; [33] A debtor may demand that the collector cease communication. [10] Section 809 of the Act directs that for disputed debts "the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt".

7. Dunning (process) - Wikipedia

   en.wikipedia.org/wiki/Dunning_(process)

   Communications progress from gentle reminders to threatening letters and phone calls and more or less intimidating location visits as accounts become more overdue. Laws in each country regulate the form that dunning can take. It is generally unlawful to harass or threaten consumers. It is acceptable to issue firm reminders and to take all ...