Debt Collection Contact Timeline

Summary

Debt collectors in Montana must send a validation notice within five days of initial contact. The statute of limitations for unsecured debt, like credit cards, is typically 8 years from the last payment date. If you believe your rights under the FDCPA were violated, consider consulting with a legal professional.

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wondering how long a debt collector has to make inital contact with you?
In Montana, debt collectors follow the Fair Debt Collection Practices Act (FDCPA). Key rules relating to initial contact include:
- Debt collectors must send a written "validation notice" within five days after they first contact you.
- They cannot contact you at inconvenient times or places.
- They must cease communication if you request in writing.
their inital contact was the valadation letter, it was received in march of *, bur the account was charged off early *
In Montana, the statute of limitations on debt is typically 8 years. This means a debt collector can legally pursue the debt within this period. However, if the initial validation letter was received much later than the debt charge-off, it might be a violation of your rights.
this is a credit card that was charged off with a last payment date of july * *. and charged off in *
Based on the last payment date and the charge-off date, your debt is within Montana's *-year statute of limitations. However, if you believe your rights under the FDCPA were violated, consider consulting with a legal professional.
8 years, i thought 5 years for unsecured debt?
In Montana, the statute of limitations for unsecured debt, like credit cards, is typically 8 years. This period starts from the date of your last payment. Each state has different laws regarding debt collection. It's always best to consult with a legal professional for advice specific to your situation.
ok thank you
You're welcome, Randy. If you have any more questions or need further clarification, feel free to ask. Remember, consulting with a legal professional can provide more specific guidance based on your unique situation.