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Make Solomon and Solomon PC validate a debt

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If Solomon and Solomon PC have issued you a debt collection notice, you have a right to request further information and dispute any false claims.

If Solomon and Solomon PC have issued you a debt collection notice, you have a right to request further information and dispute any false claims. Debt collection agencies like Solomon and Solomon PC are known to use aggressive debt collection tactics to intimidate you into paying debts you no longer owe or never owed in the first place.

Having debt turned over to a collection agency can have severe consequences, including potential damage to your credit. That's why it's vital to ensure a debt collection notice from Solomon and Solomon PC is accurate and legitimate.

Under the Fair Debt Collection Practices Act (FDCPA), Solomon and Solomon PC must provide you with proof that a debt they are attempting to collect is legitimate and legally yours. They must also prove they have the right to collect on behalf of the original creditor.

If you have not received information stating the amount and nature of your debt from Solomon and Solomon PC within ten days of their initial contact with you, you have a right to request a debt validation to avoid paying a debt you don't owe.

What is a Debt Validation Letter?

A Debt Validation Letter provides you with the information necessary to ensure a debt belongs to you and is accurate. By law, debt collectors contacting you about the money you owe must provide you with a debt validation notice which includes the following information about the debt:

  • The name of the creditor they believe you owe money to
  • The amount owed
  • A statement that you have the right to dispute the debt within 30 days of being contacted, after which the debt is considered valid
  • A statement that if you dispute the debt in writing, the debt collector must provide written evidence of the debt
  • A statement that if you request information regarding the original creditor within 30 days, the collector must provide it

The above information must be sent within five days of the collector's first contact with you. If you don't receive the information within ten days of the first contact, you can send a Debt Validation Letter requesting the debt be validated.

SoloSuit makes sending a Debt Validation Letter easy.

How to Make a Debt Validation Letter - The Ultimate Guide

What is a Debt Verification Letter?

A Debt Validation Letter requires the creditor to provide you with the relevant information about the debt. If there is insufficient or incorrect information in the Debt Validation Letter, a Debt Verification Letter is often the next step. A Debt Verification Letter must prove you owe the debt, and if the creditor cannot provide sufficient proof that the debt is valid and belongs to you, you may be able to avoid paying the debt.

Contacting Solomon and Solomon PC for a Debt Verification Letter should result in information such as:

  • Details on why Solomon and Solomon PC thinks you owe the debt, including information from the original contract
  • The amount and age of the debt, and whether the debt is past the statute of limitations
  • Information verifying that Solomon and Solomon PC is licensed to collect the debt in your state

A Debt Validation Letter places a demand on the creditor to provide the above-referenced information within five days of when they first contact you about the debt. Once they have provided said information, then you have 30 days to send a Debt Validation Letter to the creditor.

If the creditor fails to provide the five points of the information listed above during the five-day window after initial contact with you, they are in violation of the FDCPA, and you have the right to sue them. Sending a Debt Validation Letter preserves your rights in the debt collection process.

If Solomon and Solomon PC contact you for the first time near the end of the statute of limitations on your debt, it may be prudent to ignore the debt collection notices. A verification letter can end up restarting the clock on the debt.

Why do I Need a Debt Validation Letter?

Debt Validation Letters are valuable tools that allow you to ensure a debt is legitimately yours before any money changes hands during the debt collection process. Mistakes on the collector's end are all too common, meaning you can end up paying a debt you don't owe or paying when you are past the legal statute of limitations.

Requesting debt validation can also help you understand exactly how much money you owe and to whom. The letter will help you determine the amount owed in debt, as well as any extra fees or interest rates applied.

Solomon and Solomon PC practices and complaints

Solomon and Solomon PC is a debt collection law firm based in Albany, NY, collecting debts for post-secondary education, state government, utility, and banking. You can reach Solomon and Solomon PC at 1 Columbia Cir. #102, Albany, NY 12203, or by phone at (800) 233-7515.

If you see Solomon and Solomon PC listed on your credit report, it may be because you did not pay a bill, and your account was sent to a debt collector. However, it is still crucial to obtain debt validation from Solomon and Solomon PC to ensure the claim is legitimate.

Like many debt collection firms, Solomon and Solomon PC currently has numerous complaints filed with the Better Business Bureau and the Consumer Financial Protection Bureau. The majority of complaints allege inaccurate reporting or a lack of response to debt validation requests.

Understanding your rights with Solomon and Solomon PC

The United States has strict regulations surrounding how a debt collector can collect a debt. Under the FDCPA, a collector cannot use abusive or deceptive methods to collect any legitimate or illegitimate debt.

This means that:

  • It is illegal for Solomon and Solomon PC to report inaccurate or incomplete information on your credit report.
  • Upon request, Solomon and Solomon PC must prove within 30 days that the debt is yours and the amount you owe is accurate.
  • Solomon and Solomon PC cannot threaten, harass, swear at you, or call you repeatedly to intimidate you.
  • Solomon and Solomon PC must be transparent about who they are and their intentions. They must advise you that they are a collection agency both orally and in writing.
  • Solomon and Solomon PC may not threaten to have you arrested or threaten to take legal action against you if they do not intend to do so.

If you have encountered abusive practices, document everything that occurred, including dates and names. Contact an attorney to discuss your legal rights.

How do I request a debt validation?

To obtain a debt validation, you must send a well-composed and thorough Debt Validation Request within 30 days of Solomon and Solomon PCs first contact with you. Never request a debt validation over the phone, as your rights will not be protected.

If they do not provide you with proof of the debt but continue collection efforts, they are in violation of the FDCPA. In some cases, your account may be sold to a new debt collection agency. If this happens, your validation request from the previous collection agency will not apply.

If a verification letter is sent after 30 days of the initial contact, Solomon and Solomon PC are no longer required to halt their collection efforts. If Solomon and Solomon PC refuse to respond to your request within the legal timeframe or with adequate information, you can file a complaint with the Consumer Financial Protection Bureau.

How to Make a Debt Validation Letter - The Ultimate Guide

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