Sasha Davis asked:


The debt is mine, The collection agency is not on my credit report,the amount is not correct, I live in MN where the collection agency is not licensed to collect debt (I called dept of commerce they told me that)the debt is a credit card from 2006. I want them to send a validation letter,but i also want to offer a settlement/payment.

CatherineNickName asked:


How long, after receiving the first letter, do I have to send a Letter to the Collection Agency requesting validation of the debt? How long do I have after receiving the letter before they start calling me and harrassing me?
also I’d like to know what they are required to say by law on their First Notice to you that is in writing.