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Collectors Letter of Notice


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As Nativechild stated, check your State's laws. What you want to find is a certain section that states the consumer must be notified in some way prior to or immediately after.

A good example is California. Here, the reporting party must notify the consumer, in writing, within 30 days before or after they make a negative remark on a TL.

If not, it is legal as it is a "tool" a CA uses to cause the consumer to cede and pay the debt. I have not read it yet, but, someone said the new FACTA has changed this, but, don't know what it actually says or if it would affect anything reported before it became law.

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