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

In North Carolina, debt collectors who are pursuing a debt must abide by the Consumer Debt Defense Law. This law states that the debt collector must first verify that the debt they are trying to collect is valid. Debt collectors must give the consumer written notice that they are trying to collect a debt, and the notice must contain the amount of the debt, the name of the creditor to whom the debt is owed, and a statement of the consumer’s right to dispute the debt if the consumer believes the debt is not valid. If the consumer makes a written request for verification of the debt, the debt collector must provide documentation of the debt, including the name of the creditor, the amount of the debt, and the date the debt was incurred. The debt collector must also provide the consumer with a statement of the consumer’s rights. If the consumer makes a written dispute of the debt, the debt collector must verify the debt before they can collect any money from the consumer. This means the debt collector must provide the consumer with written verification of the amount of the debt, the name of the creditor to whom the debt is owed, and the date the debt was incurred. Once the debt is verified, the debt collector can then proceed to collect the debt.

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

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