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    darrellk's Avatar
    darrellk Posts: 1, Reputation: 1
    New Member
     
    #1

    Jan 28, 2009, 11:40 AM
    Length of time to request a validation of debt
    I looked at my credit report recently and saw a couple of negative items on my report. I sent the collection agencies a request for validation the debt. They responded back that it was past the 30 days that I was allowed to respond and that they will keep contacting me about the debt and keep it on my credit reports until it is paid. My question is can I still send them the validation letters and are they legally bound to reply accordingly according to the FDCA? Or am I stuck?
    progunr's Avatar
    progunr Posts: 1,971, Reputation: 288
    Ultra Member
     
    #2

    Jan 28, 2009, 02:47 PM

    The company is correct.

    You had 30 days from the date they sent out notification of the debt to request validation.

    They are not required to produce such a document now unless they sue you, then you can require it as proof when you go to court.

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