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No statements on dunning letter


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3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Ugh, I just rec'd a dunning letter from ANOTHER CA, there are two now contacting me on this account! However, this one does NOT have any of these statements.

The only statements are:

Please forward your payment immediately

Contact Ms. Williams to confirm your payment option

Contact us regarding any dispute or valid reason why this account has not been paid.

Aren't they in violation?


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I got this letter from the CA that is collecting my student loan. I know it is a government debt, but they did not include the 30 mumbo jumbo in the letter. I already have a payment plan set up with them. Does it even matter at this point?

Dear Stephanie,

We have good news about your education loan account!! You may qualify for the Loan Rehabilitation Program. If you act now and take the necessary steps to rehabilitate your loan(s), you credit report could improve, and that would make it easier for you to borrow money for the things you need.

Call us and let us help you determine if you qualify. We can also help you complete the Rehabilitation paperwork. We hope that you will take advantage of this offer, which will allow you the opportunity to erase the derogatory guarantor trade-line for this loan from your personal credit file as well as remove it from default. Other benefits of this program are:

1. After six consecutive on-time monthly payments, you will no longer be ineligible for additional student aid due to this default.

2. When rehabilitation is complete, collection costs that have been added will be reduced to a percentage of the unpaid principal and accrued interest outstanding at the time of Loan Rehabilitation.

3. You will regain remaining deferment and forbearance eligibility on the rehabilitated loan(s).

4. You may be able to take as long as nine years to pay back your loan.

To participate in the Loan rehabilitation program and take advantage of the benefits of the program, please call us at blah blah blah. We will review the program with you and assist you with the paperwork to get you started.

This is an attempt, by a debt collector, to collect a debt and any information obtained will be used for that purpose.

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