The Right to Verification of the Debt
When a debt collector communicates with you the first time, it is required to give you written notice of your right to dispute the debt and require “verification.” In my opinion, the level of verification required by law – if you make your dispute in writing – is pretty minimal. Still, the fact is that requiring validation seems to make a significant number of debt collectors go away, so it is apparently worth doing for that reason. It’s also an important first step in preparing to defend yourself from a law suit if it happens.
Remember, they don’t HAVE to verify – they simply have to verify before taking any further actions to collect. If they leave you alone, they don’t have to do anything else.
Deceptive Notice of a Right to Verify
A Dirty Trick by Debt Collectors: “This is a Communication by a Debt Collector” on the Lawsuit
The essence of this trick is the habit debt collection lawyers have of putting on the legal pleadings that “this communication is an attempt to collect a debt… [ and on to the right to require verification].” The problem with this is two-fold. If it WERE a qualified communication, it would violate the FDCPA because the fact of the lawsuit and the timing required by that would “overshadow” the right to require validation.
HOWEVER, A LAWSUIT IS NOT A COMMUNICATION attempting to collect a debt under the FDCPA. Suggesting that it is one, and offering a “right” to require verification, can lure consumers into disputing the debt and requesting validation instead of answering the suit. Then, while they’re waiting for the debt collector to answer their dispute, the debt collector is getting a default judgment against them.
I know they do this trick, and I know that some people fall for it. If you have, you have a strong case for a motion to vacate the judgment. And the whole thing is probably a violation of the FDCPA and would give you a counterclaim under the appropriate circumstances.