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This notice will state your right to dispute the validity of the debt within 30 days.
The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter.
In an interactive and inclusive process involving all the concerned parties, form an opinion from the information collected for its effectiveness and efficiency. Has the decision taken help in solving the problem at hand?
In short, you have to sift and make decisions all the time, and you want to make responsible choices that you won't regret. It's been called an art as well as work—much of which is detective work.
A decision taken may need to be examined closely and refined, and modified to meet differing needs over time.
This work by GDRC is licensed under a Creative Commons Attribution-Share Alike 4.0 International License.
You will need to make decisions about what to search for, where to look, and once you've found material on your topic, if it is a valid or useful source for your writing.
Determine the sources from where information needed for decision-making can be obtained. Which component of the problem at hand will it help?
Search for need for validating information:
A verbal phone request for debt validation is not enough to protect your rights under the FDCPA.