Why Should You ALWAYS Answer a Debt Collector?

You received some very disturbing letters from a third party debt collector. The letters are upsetting but you answered by requesting verification AND validation of the alleged debt. The debt collector failed to provide verification. And they failed to validate. Verification and validation will become your two favorite words.

Once the debt collector failed to prove their claim, they are in default. In law each side has 30 days in which to respond. You probably remember how many times you did not answer within those 30 days and the debt collector had a default against you. Now that you know verification and validation, you turn the table on the debt collectors and get THEM to default.

There are several Maxims of Law. A maxim is a short statement expressing a general truth. The one of interest to us here is: Silence is Acquiescence. You probably have seen this in cop and law shows where the witness is questioned and admonished if he stays silent, it is considering agreeing to the question. This is what we use when we request V + V. This tells them that if they don’t respond, they agree that your statements become facts. It is part of your full disclosure to them that you require a response and lack of receiving what is requested or demanded from them proves you owe them nothing.

So raise your disputes. Don’t remain silent. Always be the last to respond until they respond that they are removing the item from your credit report and closing the alleged account.