Siron

Call but not letter

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I may be wrong but... The key word here is 'COMMUNICATION'. If, during the first phone contact (communication) the collector read you your rights, gave you the creditors name, and the amount alleged due; you have, in effect, been dunned. I would not hesitate nor wait for another communication (letter) before formally disputing the debt.

..... If they don't send the dunning letter is it a FDCPA violation.... This IMO is a moot issue since you may have already been dunned and informed of your rights during the initial communication. Looking forwards to comments.

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