Need for validating information
This notice will state your right to dispute the validity of the debt within 30 days.
The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter.
Which parts of the information collected needs to be used? How can information be best presented to be able to understand the situation and take decisions?
You don't want to rely on the news in the headlines of sensational tabloids near supermarket checkout counters, and it's just as hard to know how much to accept of what's in all the books, magazines, pamphlets, newspapers, journals, brochures, Web sites, and various media reports that are available.
People want to convince you to buy their products, agree with their opinions, rely on their data, vote for their candidate, consider their perspective, or accept them as experts.
In short, you have to sift and make decisions all the time, and you want to make responsible choices that you won't regret. It's been called an art as well as work—much of which is detective work.
Remember that sometimes, the real cause can lie hidden behind the 'visible' causes. Why is that information being collected by the source?
For each of the causes or its effects, make a list of information or data that will be required, and clarify how that information will lead to a better decision.
You have the right to ask them to send proof of that debt.