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Yes, there are not consumer laws which disallow a creditor or collector to contact a debtor on weekends or holidays. The FDCPA does state that a collector may not use excessive means that would constitute harassment, or call at unusual hours (before 8 a.m. or after 9 p.m. debtor's time). Determining the violation of such laws is usually made by a judge if the issue becomes one of litigation, or by the state's attorney general office if the debtor files a complaint.
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How many days are in 7 weeks 6 days?
One week is seven days. Seven days times seven is 49 days, and then add six more, for a total of 54 days.
How many days are there in 7 weeks?
A week consists of seven days. Therefore it would be seven times seven (7x7 = 49) which equals 49. So there are 49 days in seven weeks.
How many days in seven years?
2556.75 days.
When was Six Days Seven Nights created?
Six Days Seven Nights was created on 1998-06-12.
How many days are in the last seven months?
214 days.
You were turned over to a collection agency by a hospital after they accepted three payments you are on disability?
Most hospitals farm out collection accounts after 90 days of nonpayment to outside collection agencies.
How long does a collection agency have to validate debt?
30 days from the time the debtor requested written confirmation.
How can you mend your credit after a paid collection?
Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.
Is there a law on when you can send bad debt to collection agency?
Depends on the company usually 120 day or 90 days.
If you dispute a debt from a collection agency and send it with delivery confirmation does the 30 days start from the date they received the letter?
yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.
Is it legal for a collection agency to try to collect on a debt that was released in bankruptcy and then sold to the collection agency by the original creditor bank?
Legal or not, this happens every day. Inform the collection agency and the original lender that this was included in the bankruptcy. The collection agency may want to see proof but usually the original lender will call and request that - that particular account be sent back. Make sure you get something in writing from the original lender--and that the collection agency REMOVES their account off your credit report--check your report 3 to 6 months later, to make sure this has been done. If you don't want to wait--send a copy of the signed letter on the lender's letterhead to all 3 collection agencies and wait for their response. Even though it will take about 30 days--this is the quickest way.
How can I request a debt validation letter from a collection agency?
To request a debt validation letter from a collection agency, you can send a written request within 30 days of being contacted by the agency. In your letter, ask for proof that the debt is valid and provide your contact information. Keep a copy of your letter for your records.
What should you do if you get a letter from a collection agency and the amount of the debt is wrong?
The collection agency must give you thirty days to dispute any portion of the debt they claim you owe. You must send a written reply disputing the amount and any proof of your claim.
What is the process for sending a validation letter to a collection agency?
To send a validation letter to a collection agency, you need to write a formal letter requesting validation of the debt they claim you owe. Include your name, address, and the account information they provided. Send the letter via certified mail so you have proof of delivery. The collection agency must respond within 30 days with verification of the debt or cease collection efforts.
If your account is sold to a collection agency how to do you find out when it was sold and how old the account is?
When the collection agency contacts you, they have to give you the opportunity to request information concerning the debt. You will have thirty days to send a written request to dispute the debt. And to ask for confirmation of the original creditor, the amount owed, when the account was remanded to the agency, etc.
How late can creditors call your home?
9:00 p.m. debtor's time zone, seven days a week including holidays. The debtor has no legal obligation to communicate with collection agents/agencies.
How long after no payment has been made will a bill go to the collection agency?
Credit card? About 60 to 90 days. Most other companies give you 60 days.
