Initial Debt Collection Letter Requirements

[David A. Szwak]

The initial collection letter is to include five items: (i) the amount of the debt; (ii) the name of the creditor; (iii) a statement notifying debtor that he/she has thirty days to contest the validity of the debt, or the debt will be presumed valid; (iv) a statement that if the debtor disputes the debt, the collector will obtain verification of the debt or a copy of a judgment against the debtor; and (v) a statement that upon request by the debtor within the thirty-day period, the debt collector will provide the debtor with identifying information about the creditor. See 15 U.S.C. § 1692g(a).

Foti v. NCO Financial Systems, Inc.
424 F.Supp.2d 643
S.D.N.Y.,2006.
Mar 25, 2006