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Now, on to why you should think twice before requesting validation on a “valid” debt.

In the above clip, Heather Allen explains that consumers dispute 3.2% of accounts that are being collected by junk debt buyers.

So if you’re thinking that if you dispute the account and they fail to validate it within 30 days, that, that will be the end of it, you’re mistaken.

While it is true that they can’t attempt to collect from you previous to providing the validation after the validation has been requested within the first 30 days, including credit reporting, they can resume their collection efforts after they do so.


I also share my opinions, when it comes to interpreting this information, from both a debt settlement and debt collection perspective.

There are ways to accomplish this without exposing yourself to the risks that are associated with formally requesting validation on a valid debt.



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