If the consumer does not dispute the debt within 30 days, the debt collector can assume the debt is valid. However, they are not prohibited from continuing to contact the consumer unless the consumer has specifically requested that communication cease.
The FDCPA requires the validation notice to include the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within 30 days.
If a consumer disputes a debt in writing within the 30-day period, the debt collector must provide verification of the debt or a copy of the judgment before continuing collection efforts.
The FDCPA requires debt collectors to send a written validation notice within 5 days of their initial communication with the consumer.
The validation notice must inform the consumer that they have 30 days to dispute the debt in writing.
