In order to present the collection agency to sue you and obtain a judgment against you, you have to send a letter of disputed account claim within 30 days upon receipt of collection letter. Otherwise, the debt is considered as a valid claim.
You asked your questions in passable English and why not searching for information on the internet? https://www.thebalance.com/debt-validation-requires-collectors-to-prove-debts-exist-960594
j**ng12345**** 님 답변
답변일9/19/2017 12:17:51 PM
Just save all the letters from collection agencies and do not reply. Also, keep record of all credit card statement and payments. If you have more questions, let me know.