I received a collection letter from Midland LLC. I sent a certified letter of debt validation. Within the 30 day response time all they sent back was a settlement letter. i asked for original copy of statement and copy of my signiture on original contract. Do they have to provide me with the info i asked for and within the 30 day window??? What happens if they respond after the 30 day window, which they have not???
1 Answer from Attorneys
They probably do not. The validation response can include as little as a copy of a billing statement. If they do not provide that within 30 days, you may have a claim under the Fair Debt Collection Practices Act.