Fair debt collection practices act section 809b validating debts
The guy on the phone wanted our social security numbers “to confirm.” Yea, right.When we wouldn’t give him any personal information, he asked, “so now what are you going to do? ” The conversation quickly went down hill, and we asked him not to call us again.Simply notify the debt collector in writing either that you refuse the pay the debt or that you wish the debt collector to stop any further communication. Now the statute does allow debt collectors to contact you after such a notice is sent for certain limited circumstances, but they can’t continue to contact you simply to collect the debt.It is important to understand that sending this notice won’t make the problem go away. Northland Group guy, I am going to call in the phone police.
Also, the Northland Group has not provided us with validation of the debt in writing as required by Section 809 of the Fair Debt Collection Practices Act.
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Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.
], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.