What if the Debt Collector Answers Your Dispute Letter?

You asked for verification. The definition of verification is a sworn testimony. Validation is the documentation supporting that sworn testimony.

When the debt collector answered you and they didn’t respond to any of your questions, this is not a verification. And if they didn’t include certified documentation supporting their answer, then this is not a validation. Verification without validation is hearsay.

Most importantly, though, and this is sometimes pretty hard to do: you always have to respond to their response. Always. You don’t respond means you dropped the ball. Something this simple can be difficult to do. Because it seems like such a waste of time and it can get very tedious to keep track of all those correspondences. But don’t get tricked in dropping the ball. Because once you do, the debt collector will get the upper hand and move in for the kill. They know which laws are good for them and they will use them. But here you learn how to use the law to YOUR advantage. Tedious? Yes. Effective? Very!!

You answer back every single time and make the point that they did NOT provide the answers and documentation you requested. You need to make that point that they did not respond with a sworn affidavit of verification.