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How do you know the debt is yours and that you actually owe them?

Make debt collectors and junk debt buyers provide proof you owe them.

However, there are situations when you might want to validate your debt with your original creditor, such as after a bank merger or other administrative change in which your debt might get lost in the shuffle.

You might also want to validate an unfamiliar debt that appears on your credit report.

Another place to look for valid contact information is on your most recent credit statement.

Debt validation forces a collection agency, debt collector and even a law firm in the business of debt collection prove you owe a debt.

2) "Is it permissible under the Fair Debt Collection Practices Act for a debt collector to report, or continue to report, a consumer's charged-off debt to a consumer reporting agency after the debt collector has received, but not responded to, a consumer's written dispute during the 30-day validation period detailed in 1692g?

" As you know, Section 1692g(b) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained.

You'd be surprised how often a collection agency cannot validate a debt and therefore cannot legally enforce collections. (c) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. It means that you have a right to dispute the debt, but not doing so also gives the collector the right to assume the debt is valid.

Here are four questions posed to legal counsel at the Federal Trade Commission which are important enough to include here: 1) "Is it permissible under the Fair Debt Collection Practices Act for a debt collector to report charged-off debts to a consumer reporting agency during the term of the 30-day validation period detailed in Section 1692g? As stated in the Commission's Staff Commentary on the Fair Debt Collections Act, a debt collector may accurately report a debt to a consumer reporting agency within the thirty day validation period (p. We do not regard the action of reporting a debt to a consumer reporting agency as inconsistent with the consumer's dispute or verification rights under 1692g.

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