Wednesday September 19, 2018

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I've been aware of the debt collection for more than 30 days...
Posted by jenn-o

Can I still use the debt validation process?  Everything i read says that I would need to send a letter to the collection Agency within 30 days of their initial contact.  I don't believe this agency is licensed to collect in my state, but they have reported the debt to the credit reporting agencies.  I was not aware of the validation process when I first saw the debt on my credit report (1 year ago).  What power does this give the collection agency?

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