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Date on Letter from Collection Agency

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  • 03-14-2009, 10:14 AM
    wanna_kno
    Date on Letter from Collection Agency
    My question involves collection proceedings in the State of: GA

    Yesterday, 3-13-09, I received a notice from a collection agency that was dated Feb. 18,2009. There is NO way it could have taken nearly 1 month to get here. I have 30 days to request validation, which I am sending certified on Monday. What I want to know is this: Is the date of Feb. 18 the date they count the '30 days to respond in' starting point, or the date of 3-13- that I received it?

    Why would that date of Feb. 18 be on that letter and it just received on the 13th? I know it would NOT be beyond collection agencies to do something like this, but does this detract from the 30 days? If so I am in a mess. There is NO postage date on the envelope, It is one of those 'First-Class Mail Presorted' post things with no date of mailing on it.
  • 03-14-2009, 11:08 AM
    divemedic
    Re: Date on Letter from Collection Agency
    The 30 days begins when you receive the letter. The courts assume that you receive the letter within 5 business days of mailing, so you are good. There is case law on this, I just don't remember the case. Even if you assume that the letter was received on 2/18, 30 days means that you have until the 20th to send your dispute.

    Dodging the 30 days period specified in the FDCPA is a common tactic.
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