What does validating a debt mean
The collection agent has the right to collect the entire balance due plus interest, but does not necessarily expect to collect the full amount.
Before you do, you need understand the dos and don'ts of debt validation.
and is therefore required to respond to proper debt validation requests.
In contrast, the original creditor and its employees are generally not subject to the FDCPA, though they may be regulated by other state and federal laws; including the Fair Credit Reporting Act, which was modified by the Fair and Accurate Credit Transactions Act in 2003.
specifies the response required of a debt collector upon receipt of a timely written or oral dispute, most notably that it shall cease collection of the debt until the collector mails the consumer "verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor." Thus, there is no time limit for providing the required verification or other information, just that the collector must cease collection until it provides the required information.
also contains a prohibition against the collection activities and communications during the initial 30 days of contact with the consumer overshadowing or being inconsistent with the consumer's right to dispute the debt or request the name and address of the original.