It's possible the debt validation notice was included with the first communication. Under the FDCPA, this is allowed as long as the notice is made in writing. Perhaps you missed the debt validation notice. In any case, you can send your request for debt validation regardless of receiving the debt validation notice from the debt collector. Make sure you send request before the 30-day period has ended to ensure your rights are protected.
The collector's debt validation notice to you should be made in writing. It should include the following:
1) amount of the debt
2) the name of the creditor
3) the assumption that the debt will be valid unless you dispute it within 30 days
4) notification that you can request verification of the debt within 30 days
5) notification that you can request the name and address of the original creditor within 30 days
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.