If you are interested in learning about any program we offer, just call: 1-877-766-2465 for a no pressure, no obligation consult, or visit: FREE CONSULTATION and leave your contact information.
In order for debt to be managed legally, there are obligations on the creditor as well as the debtor. These laws were created in order to achieve fairness in these types of transactions.
Both sides must live up to their obligation. In most cases the consumer is unaware of the laws and protection afforded them to remedy what can be a traumatic impediment on their lives.
In a previous article, we covered the benefits of using a debt validation letter when you receive a notification from a debt collector. By law the collector has to notify you that you are entitled to ask for a validation of the debt within 5 days of contacting you about you owing money.
There are defensive methods that can be applied that are best implemented by a reputable company with a full understanding of the law. This may include notification letters sent to the collection company or response to a legal threat against you.
If you find yourself in these circumstances, there are reputable programs designed to help the consumer navigate through the process and have their debt eliminated. This will help you obtain a much needed fresh start and provide you with an understanding and a clear path forward.
As a point of note, let me remind you that the debt collector has limited number of days to respond to the debt validation. What the response should contain is proof that you actually owe the debt. As well as proof that they have the legal right to collect the debt. Remember they are collectors, and you never borrowed anything from them. They must also prove that they are licensed to collect debts in your state. Also, they need to provide the original contract you signed with the original creditor, or at least credit card receipts that you signed.
If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report. If they have not responded, you need to send them a certified letter stating that they have failed to respond and to cease all collection efforts and remove any negative items they have placed on your credit report, or supply you with a letter stating that the negative items were placed on your report in error. That way, you can have the items removed by contacting the credit bureaus. If they ignore you, you can sue them in small claims court for violations of the Fair Debt Collection Practices Act.
Sometimes, after you have sent a validation request, the collector will send you back a “verification of the debt”. This is not a validation. In a verification the creditor will simply send you the name and address of the original creditor along with the amount owed. This is not what you want from them. You are entitles to a validation if that is what you requested.
As a final note, the collector cannot contact you to collect the debt while the validation process is on-going, so, be sure to monitor any calls you receive and log them. Since collection contact during this period is illegal, violations may be accrued under violation of the FDCPA.
If you enjoyed this article, please visit our blog to read more articles on similar topics. Also, if you need more information, then please get in touch with our team. Please note that we are not attorneys, and this article is not intended to be legal advice, but rather legal information.
If you are interested in learning about any program we offer, just call: 1-877-766-2465 for a no pressure, no obligation consult, or visit: FREE CONSULTATION and leave your contact information.
Usually, a debt collector will take around 1–30 days to respond to your request for debt validation service. However, debt collectors don’t have a deadline to respond to a debt validation letter, and they may take days, weeks, or even months before getting back to you. Until they do, though, you’re free to not pay the debt.
There are defensive methods that can be applied that are best implemented by a reputable company with a full understanding of the law. This may include notification letters sent to the collection company or a response to a legal threat against you. If they ignore you, you can sue them in small claims court for violations of the Fair Debt Collection Practices Act.
If you enjoyed this article, please visit our blog to read more articles on similar topics. Also, if you need more information, then please get in touch with our team. Please note that we are not attorneys, and this article is not intended to be legal advice but rather legal information.
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to