Received calls, rather, voice mails from a collection agency (I verified on the Internet). It has been around 2 weeks, and never spoke to them directly. The voice mails are saved on our home number. However, am I not supposed to receive something in writing, say a letter? Should I send the DV letter or wait for theirs? I’m afraid that our 30 days will be over. What to do?

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You’re right. Collectors are supposed to send you the debt validation notice within 5days of the initial communication. They may have already sent you a mail, and it might have got lost along the way. At least they might claim so.

Check out your credit report to find out whether they’re reporting.

Regardless of the fact that you got their notice or not, send them the validation request. Send your DV letter via certified mail.

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Haven’t they left any form of contact details in the voice mail? Call them back and collect all the details.


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