My question involves collection proceedings in the State of: Nebraska.
I have received a demand letter from a collection agency and they have charged about $400 interest and it is growing day by day.
I have a copy of validation from the original creditor and the original balance was $969.87.
The demand letter they sent me does not specify how they arrived at the larger sum, which I understand is a violation of FDCPA and someone referred to Fields v Wilber.
Do I need to file something about the violation? I don't wish to pay the interest if I can avoid it but I will pay the original balance.
Also, they contacted me for the first time on June 25 but did not send written notice until July 17, which I received today. Aren't they obligated to send written notice within five days of the first phone contact?

