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.