[yor1940]

Hi All;

Newbie here, I need to know how long does an alleged creditor have (days,hours?) to answer a debt vaildation letter.

And I have heard that we(comsumer) have only 72hrs + 3 days mailing to dispute said debt? Is there any thing to this?

Thanks in advance yor

[ScottGem]

No, there isn't anything to either. If you tell us the real story, we can help. What have you been contacted about and how?

[yor1940]

Ok, Thanks;

I am taking care Sister-in-Laws bills (she has Big C) for 4 months now, received a unknown CC statement that I have never seen or paid before and I quickly sent them a
dispute letter asking them to valid the debt as I have not known about this card? Notice the card was/is not behind any payments.

It just shows she owes 22,045.69 right now and does not show a payment for last month
have got a letter yesterday stating they are turning it over to DC as is now 2 months behind in payments (2X266.42) I called the # and was told to ingore this letter(account is not behind/her words) and they had mailed out proof (validation) on the ninth I told her the threat letter was dated the 10th she put me on hold and 20 min later I hung up - she had my number but no return call?

So??
yor

[ScottGem]

Can't you ask your sister? If they turn it over to collections they will have to verify the debt before they can win any judgement.