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TJ, Esq.
TJ, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 12250
Experience:  JD, MBA
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if you receive a credit card bill from a debt collector and

Resolved Question:

if you receive a credit card bill from a debt collector and send him a letter in return mail asking him to verify the debt and your signature on contract, how many days does he have to return information to you??
Submitted: 7 years ago.
Category: Bankruptcy Law
Expert:  TJ, Esq. replied 7 years ago.

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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