If Bayview Solutions is contacting you about a past-due debt, but you don’t believe it is your debt, you do have the right to ask Bayview Solutions to validate that debt. The information you can request includes specific debt details and the original creditor’s name. You are protected by the Fair Debt Collections Practices Act (FDCPA), which is a consumer protection act that Congress enacted to promote fairness. The FDCPA is to establish guidelines regarding debt collection practices. The FDCPA establishes guidelines for both the consumer and the debt collector. It allows you to to ask for debt validation. This process lets the debtor ask for evidence showing they owe the debt. After being told of your request, Bayview Solutions must stop all activity regarding collections until they have properly validated the debt.
Drafting Your Letter to Bayview Solutions
You should speak with an FDCPA lawyer. An attorney can help you gather all the necessary information and documentation to support your dispute, and the lawyer will then draft the dispute letter. Attorneys have experience in writing letters to dispute debt and to ask for debt validation. An FDCPA attorney is familiar with the laws governing debt collection and the practices of collecting delinquent debts. You might only have a limited amount of time, such as 30 days after being notified of the debt, for requesting validation of the debt, so contact an attorney as soon as possible. The collection agency might not have a limited time in which to respond, so Bayview Solutions might be allowed to take their time providing proof. However, you can specify a time limit in your letter, such as within 30 days of the date of letter. You should contact an FDCPA attorney as soon as possible, so you can make sure the statute of limitations doesn’t expire.
Actual Sample Letter
I am asking Bayview Solutions to provide me with the necessary information to validate the alleged debt they claim I owe. This request is based on my rights under the Fair Debt Collection Practices Act, under 15 USC 1692g Sec. 809 (b). I demand the following information about the debt from Bayview Solutions – the amount of debt, the name of the creditor, the judgment (if applicable), your agreement with the creditor that authorizes you to collect the debt on their behalf, valid copies of the debt agreement that shows the debt amount and any interest charges, your license to collect debts in my state, the detailed payment history, and when the last payment was made on this specific. I also need proof that collecting this debt is within its statutes of limitations.
If your staff at Bayview Solutions fails to reply to my request for validation of the debt within 30 days from the date you received it, all references to this account should be deleted from my credit history. Any future attempts to collect the debt in question must be stopped. If you don’t comply with my request for supporting documentation, I will consider it to be a waiver of claims to enforce this debt against me. Your implied agreement will be to compensate me for legal fees if this matter proceeds to court.
Be sure to include the account number or reference number somewhere in the text of the letter, so Bayview Solutions can easily look up your account specifics. This will help them find the information that they have on hand regarding your alleged debt. Then sign the letter with your full legal name.
Talk to a Lawyer Today
Speak with an FDCPA lawyer today. An attorney can help you write a dispute letter to Bayview Solutions. If you believe the company is pursuing you for an invalid debt claim, get legal guidance. Time is limited to ask for validation of debt. Don’t wait too late to ask for this information. If you don’t act, the collection agency will continue to pursue you for the debt. The FDCPA is there to protect your rights, so be sure to use this law to your advantage and to validate any debt that you might question.
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The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Bayview Solutions or any other third-party collection agency, you may not be entitled to any compensation.