
Second Circuit Rules That Debt Dispute Need Not Be in Writing
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to send their debtors written notice containing certain information, including the amount of the debt, the name of the creditor, and a statement informing debtors that they have thirty (30) days to dispute the validity of the debt, or the debt collector will assume that the debt is valid. Debt collectors have long taken the position that any dispute as to the validity of a debt must be in writing. The T