Here is a question from the Question Guy:
If the Collector is a third party to the debt, has no real legal standing, was not part of the original request for credit… why should I then reply to their letters and not just throw them in the trash?
If you don’t answer, you will give up your rights under the FDCPA § 1692 g. This section states that if you send a validation letter within 30 days of receiving their collection letter, the collector must validate the debt. If the collector does not validate the debt, they must not contact you again. It is essential to send the validation letter to maintain your rights under FDCPA § 1692 g.
Also, there is a maxim of law called the Doctrine of Acquiescence. This maxim basically states that if you don’t object, you agree. So by not replying to the debt collectors letter and thus objecting, you must agree that you owe the money.
For those two reasons I recommend answering all collection letters with a debt validation letter within 30 days. This will maintain your rights and keep causes of action available to you should you file a case in court.
Fight the Essential Fight, Boiler