New York 10/14/2010 9:53:23 PM
News / Law

Debt Collection Letters and Calls Demanding Payment During Debt Verification Period Illegal Under Fair Debt Collection Practices Act

The debt harassment attorneys working with Class Action.org are available to review claims from consumers who were contacted during the debt verification period. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from communicating with consumers after receiving a debt verification letter and before mailing the requested information. Consumers who were contacted during this time frame in regard to debt collection have rights under the FDCPA and may be entitled to financial compensation. To find out if you have an illegal debt collection claim, visit http://www.classaction.org/debt-validation-period.html and complete the Free Case Evaluation form. 

According to the FDCPA, consumers must receive a debt validation notice within five days of the initial communication with the debt collector. This notice explains that the consumer has 30 days to dispute the validity of the debt. To do so, the consumer must send a written request for validation of the debt. Until the debt collector receives a debt validation request, they are permitted to contact the consumer to collect the outstanding debt. However, once the debt collector receives the validation request, they are prohibited from contacting the consumer in regard to debt collection until mailing proof of the debt. 

If you have been contacted by a debt collector after sending a debt validation letter but before receiving the requested information, you may be able to file an illegal debt collection claim. To find out if you are eligible, visit http://www.classaction.org/debt-validation-period.html and complete the free case review form. The debt harassment lawyers working with Class Action.org are offering this online consultation at no cost and remain committed to protecting the rights of consumers who were subjected to illegal debt collection practices. 

About Class Action.org

Class Action.org is dedicated to protecting consumers and investors in class actions and complex litigation throughout the United States. Class Action.org keeps consumers informed about product alerts, recalls, and emerging litigation and helps them take action against the manufacturers of defective products, drugs, and medical devices. Information about consumer fraud issues and environmental hazards is also available on the site. Visit http://www.classaction.org today for a no cost, no obligation case evaluation and information about your consumer rights.