Thank you for your question. I am happy to assist you.
They did not violate the law by filing suit by not waiting for the thirty days to expire. There is not a requirement that a creditor provide documentation or negotiate prior to filing suit.
The letter likely stated something to the effect of: " If you fail to dispute this debt within thirty days of receipt of this lettter, the debt will be presumed to be valid and further action may be taken againt you." The thiry days in the letter is referring to "collection action" outside of filing suit for the purposes of meeting the requirement of the FDCA governing collection actions.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
Please click ACCEPT so that I can get credit for my work
Bonus and Positive Feedback gratefully accepted!
THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE