Difference between a motion for discovery and a debt validation letter

What is the difference between a motion for discovery and a debt validation letter? I\'m a bit confused...is one better than other?

3 Answers

The 2 things are completely different. In a debt validation, the collection agency proves that you really owe the alleged debt. It is your right to ask the collector to validate the debt.

A debt validation letter has nothing to do with a trial wereas a motion for discovery is usually a pre-trial process. In case the debtor has already been served but still hasn't been furnished with adequate proof validating the debt, a motion for discovery can be filed.

A motion for discovery is a request made to the court in order to enter a specific order of the opposing party to produce discovery materials. Discovery materials vary depending on whether or not the pending matter is a criminal or civil case. Discovery is generally planned to enable the parties to know what to expect at the time of trial.

Debt validation letter is consumer's right to confront a debt or get written verification of a debt from a debt collector. The rights to dispute the debt and receive validation are part of the consumer's rights under the U.S. Fair Debt Collection Practices Act (FDCPA).

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