subject: What should I do if I receive a debt collection notice in the U.S.? [print this page]
If you get a collection notice, your first step should be requesting US Debt Validation to ensure the debt is accurate and legally owed. This process requires the collector to provide written proof within 30 days of their first contact. If they fail to validate, they can't legally pursue the debt. It’s a vital protection under the Fair Debt Collection Practices Act.
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