Hello and thank you for allowing me the opportunity to assist you.
The Federal law does not require the collector to respond within 30 days. The 30 day period is for the debtor … i.e. the debtor has 30 days to demand validation of the debt. The collector may take as long as he’d like to validate the debt. However, until the debt is validated, the collector may not engage in any collection activity, and that includes filing a lawsuit. Therefore, it appears that the collector did violate the law when it filed the lawsuit. It sounds like your potential attorney recognizes the violation, and is offering a reasonable deal.
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