What is a debt collector’s duty to verify a debt?

In Kansas, debt collectors have a duty to verify any debt before they can collect it. This means they must prove that the person they are attempting to collect on owes the debt. To verify a debt, a debt collector is required to notify the consumer in writing that they are attempting to collect a debt. They must provide the debtor with the name of the creditor, the amount owed, and any details surrounding the debt. Additionally, the debt collector must also provide the debtor with a thirty-day period to dispute or verify the debt. During this time, the debtor can request proof of the debt, such as an invoice or a copy of a written contract. If the debtor believes the debt is either inaccurate or not valid, they can dispute it in writing within the thirty-day period. If the debtor does not dispute the debt within the thirty-day period, the debt collector can assume the debt is valid and continue their collection efforts. In addition, if the debt collector fails to provide the debtor with written verification of the debt, they cannot attempt to collect on the debt. In summary, according to the Consumer Debt Defense Law in Kansas, debt collectors are required to verify any debt before they can collect on it. This is done by providing the debtor with written notification, details of the debt, and a thirty-day period to dispute the debt. If the debt collector fails in any of these steps, they cannot attempt to collect on the debt.

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What is a debt collector’s duty to verify a debt?

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