Hi, new here and to current situation, and need some advice about it.
I very recently got a letter from a firm stating that "This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector." Other contents of the letter include "Unless you notify this office within 30 days after receipt of this notice that you dispute the validity of the debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days after receipt of this notice that you dispute the validity of the debt, or any portion thereof, this office will obtain verification of the debt or a copy of any judgment and mail you a copy of such verification or judgment. Upon your written request of this office within 30 days after receipt of this notice, this office will provide you with the name and address of the original creditor, if different form the current creditor." They state that they are a firm, but still acting as a debt collector. Would this be an entirely different process now?
I have read up as much as I can with the search function here and with web searches. From some posts on here, I should be starting a debt validation as stated in the letter but I am not entirely sure on how to write one up. I unfortunately cannot afford to go to a lawyer or to someone with the expertise in working with such situations nor am I acquainted with anyone who can help me or give me advice on this; there is also a post that I came upon on here that stated that the debt validation letter template that is being shared should not be shared but I am now confused on how to write up the debt validation letter to be mailed out.
I do apologize in advance if my kind of post has been answered numerous times. If there are any similar posts that any of the members here think sound similar to my situation and if it's not too much of a burden, please do share them with me. My mind is just all over the place stressing about this and I am just lost on where to start and how. Thank you so much in advance.