If Recovery Solutions Group is contacting you about a past due debt that you believe is invalid, you have the right to request additional information regarding that debt and its collection. You are protected by the Fair Debt Collections Practices Act (FDCPA), which is a consumer protection act that was enacted on the federal level to promote fairness and to establish guidelines as they pertain to debt collection practices. You can request validation of the debt, which includes the details of the alleged debt and the name of the original creditor. Through the FDCPA, you can ask for information, including proof of the debt. After Recovery Solutions Group has received your letter, all collection activity must be stopped until they provide proper validation of the debt showing that you are the debtor and the total amount that you owe.
Drafting Your Letter to Recovery Solutions Group
You will need to speak with an FDCPA attorney, who can help guide you through the process, gather the documentation that is needed, and draft a dispute letter to send to Recovery Solutions Group. Your lawyer will have experience in writing debt dispute letters and will be familiar with the laws that govern such transactions. You usually have a limited timeframe to request debt validation, which is typically 30 days from the date you were first contacted. The collection agency, Recovery Solutions Group, might not have a set time in which they must respond, so you should specify a time limit in the letter. You should contact an FDCPA lawyer as quickly as possible, so you can ensure your request is made in a timely manner in accordance with the time limits as set by federal and state laws.
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Actual Sample Letter
I am requesting that Recovery Solutions Group provide me with the information that is necessary in order to validate the debt that they claim I owe. I am making this request based on the rights provided to me through the Fair Debt Collection Practices Act, which is included under 15 USC 1692g Sec. 809(b). I demand information be provided regarding the amount of the debt, the name of the original creditor, the judgment (if you have a judgment), your agreement with the creditor authorizing you to collect the debt on their behalf, valid copies of the original debt agreement the creditor made with me that shows any interest charges and the amount of the debt, any interest charges, your license to collect debt in my state, and when the last payment was made on this alleged debt. I also request a copy of the complete payment history as well as proof that the Statute of Limitations to collect this debt hasn’t expired.
If Recovery Solutions Group fails to reply to this letter requesting debt validation within 30 days of the date of receipt, all references made to this specific account must be removed from my credit report. Any future attempts to collect this debt must stop. If you fail to comply with my request for debt validation, it will be considered a waiver of claims to enforce this debt against me, and your implied agreement is to compensate me for any attorney fees and court costs should I have to take this matter before a judge for a legal ruling.
Then sign the letter and be sure to include the debt’s account number or reference number in the text, so Recovery Solutions Group can look up the specifics of the debt. This will help them easily access their information regarding the file.
Talk to a Lawyer Today
You should consult with an FDCPA attorney today. A lawyer can help you write a dispute letter to send to Recovery Solutions Group if you think they are pursuing you for a debt that you don’t owe. You do have limited time to request validation of a debt, so don’t wait too long to request this information. Otherwise, Recovery Solutions Group will continue to pursue this debt from you. The FDCPA was enacted to protect your rights, so make sure you use this law to your advantage to validate the debt that is in question.
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*Disclaimer
The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against IQ Data International or any other third-party collection agency, you may not be entitled to any compensation.