Enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) is meant to protect consumers from harassing and abusive means used by collection agencies to collect a debt. Under the FDCPA, a collection agency must validate your debt they are trying to collect. If you request a debt validation letter and the collection does not send you one, then you may be eligible for compensation. What is a Debt Validation Letter? A debt validation letter is to prove the debt belongs to you. It should describe the debt, how it originated, what the amount is as well as any other important information. If a debt collects begins contacting you to collect a debt, you send request a validation letter before paying the debt. The collection agency will then have 5 days to send you a validation notice. If they do not send one, then you should contact a consumer rights lawyer as they are in violation of the FDCPA. Get Help From an FDCPA Lawyer Consulting with a creditor harassment attorney will increase the chances you have a successful claim receive compensation for the violations. Attorney fees are often built into a settlement, so you will not have to pay your lawyer unless you win your claim. Complete the Free Case Evaluation on this page to get started! Below is more information on what to do if a specific collection agency fails to send you debt validation notice: Ability Recovery Services Absolute Collections Corp Ace Cash Express, Inc. Action Financial Services, LLC Ad Astra Recovery Services, Inc Advanced Capital Solutions, Inc Affiliate Asset Solutions LLC Aldous and Associates, P.L.L.C. Alliant Capital Management Amcol Systems, Inc. Arnold Scott Harris PC Atlantic Credit & Finance Audit Systems Inc. Avante USA, Ltd. Benuck & Rainey Bernstein, Shapiro, and Associates, LLC Capio Partners, LLC Carson Smithfield, LLC CBE Group CCS Companies Central Research, Inc. CKS Financial, LLC CMRE Financial Services, Inc. Convergent Outsourcing Constar Financial Services, LLC Covington Credit Credence Resources Management, LLC Debt Management Partners, LLC Delta Outsource Group, Inc. Direct Recovery Associates Donald R. Conrad, PLC Collection Agency Dynamic Recovery Solutions Eastpoint Recovery Group, Inc. Elite Recovery Services, Inc. Everest Receivables Services, Inc. Franklin Collection Services, Inc. Frontline Asset Strategies FH Cann & Associates Glass Mountain Capital, LLC Global Collection Agency Global Credit & Collection Gulf Coast Collections Bureau, Inc. Harris & Harris Ltd. Hillcrest, Davidson, and Associates, LLC H&R Accounts, Inc. Hunter Warfield, Inc. IMC Credit Services, LLC IQ Data International JTM Capital Management, LLC Linebarger, Goggan, Blair & Sampson, LLP Medical Financial Solutions Medicredit Mitchell D, Bluhm & Associates, LLC Monarch Recovery Management, Inc MRS Associates Municipal Services Bureau National Commercial Services Inc. National Recoveries, Inc. NCB Management Services, Inc. Northtown Capital Associates, LLC Paramount Recovery Systems Penn Credit PMAB, LLC Prince Parker and Associates Professional Account Management, LLC. Radius Global Solutions, LLC Rash Curtis & Associates Recovery Partners, LLC Recovery Solutions Group Regional Finance Reliance Recoveries Rushmore Service Center, LLC Roquemore & Roquemore, Inc. Scott & Associates Second Look, Inc. Shaffer and Associates SIMM Associates, Inc. SRS & Associates, Inc. Synerprise Consulting Services, Inc. Tucker, Albin, and Associates USI Solutions, Inc. Vital Recovery Services Waypoint Resource Group, LLC Westwood Management, Inc.