Dena Standley | October 19, 2022
Summary: If Solomon and Solomon PC have issued you a debt collection notice, you have a right to request further information and dispute any false claims.
If Solomon and Solomon PC have issued you a debt collection notice, you have a right to request further information and dispute any false claims. Debt collection agencies like Solomon and Solomon PC are known to use aggressive debt collection tactics to intimidate you into paying debts you no longer owe or never owed in the first place.
Having debt turned over to a collection agency can have severe consequences, including potential damage to your credit. That's why it's vital to ensure a debt collection notice from Solomon and Solomon PC is accurate and legitimate.
Under the Fair Debt Collection Practices Act (FDCPA), Solomon and Solomon PC must provide you with proof that a debt they are attempting to collect is legitimate and legally yours. They must also prove they have the right to collect on behalf of the original creditor.
If you have not received information stating the amount and nature of your debt from Solomon and Solomon PC within ten days of their initial contact with you, you have a right to request a debt validation to avoid paying a debt you don't owe.
A Debt Validation Letter provides you with the information necessary to ensure a debt belongs to you and is accurate. By law, debt collectors contacting you about the money you owe must provide you with a debt validation notice which includes the following information about the debt:
The above information must be sent within five days of the collector's first contact with you. If you don't receive the information within ten days of the first contact, you can send a Debt Validation Letter requesting the debt be validated.
SoloSuit makes sending a Debt Validation Letter easy.
A Debt Validation Letter requires the creditor to provide you with the relevant information about the debt. If there is insufficient or incorrect information in the Debt Validation Letter, a Debt Verification Letter is often the next step. A Debt Verification Letter must prove you owe the debt, and if the creditor cannot provide sufficient proof that the debt is valid and belongs to you, you may be able to avoid paying the debt.
Contacting Solomon and Solomon PC for a Debt Verification Letter should result in information such as:
A Debt Validation Letter places a demand on the creditor to provide the above-referenced information within five days of when they first contact you about the debt. Once they have provided said information, then you have 30 days to send a Debt Validation Letter to the creditor.
If the creditor fails to provide the five points of the information listed above during the five-day window after initial contact with you, they are in violation of the FDCPA, and you have the right to sue them. Sending a Debt Validation Letter preserves your rights in the debt collection process.
If Solomon and Solomon PC contact you for the first time near the end of the statute of limitations on your debt, it may be prudent to ignore the debt collection notices. A verification letter can end up restarting the clock on the debt.
Debt Validation Letters are valuable tools that allow you to ensure a debt is legitimately yours before any money changes hands during the debt collection process. Mistakes on the collector's end are all too common, meaning you can end up paying a debt you don't owe or paying when you are past the legal statute of limitations.
Requesting debt validation can also help you understand exactly how much money you owe and to whom. The letter will help you determine the amount owed in debt, as well as any extra fees or interest rates applied.
Solomon and Solomon PC is a debt collection law firm based in Albany, NY, collecting debts for post-secondary education, state government, utility, and banking. You can reach Solomon and Solomon PC at 1 Columbia Cir. #102, Albany, NY 12203, or by phone at (800) 233-7515.
If you see Solomon and Solomon PC listed on your credit report, it may be because you did not pay a bill, and your account was sent to a debt collector. However, it is still crucial to obtain debt validation from Solomon and Solomon PC to ensure the claim is legitimate.
Like many debt collection firms, Solomon and Solomon PC currently has numerous complaints filed with the Better Business Bureau and the Consumer Financial Protection Bureau. The majority of complaints allege inaccurate reporting or a lack of response to debt validation requests.
The United States has strict regulations surrounding how a debt collector can collect a debt. Under the FDCPA, a collector cannot use abusive or deceptive methods to collect any legitimate or illegitimate debt.
This means that:
If you have encountered abusive practices, document everything that occurred, including dates and names. Contact an attorney to discuss your legal rights.
To obtain a debt validation, you must send a well-composed and thorough Debt Validation Request within 30 days of Solomon and Solomon PCs first contact with you. Never request a debt validation over the phone, as your rights will not be protected.
If they do not provide you with proof of the debt but continue collection efforts, they are in violation of the FDCPA. In some cases, your account may be sold to a new debt collection agency. If this happens, your validation request from the previous collection agency will not apply.
If a verification letter is sent after 30 days of the initial contact, Solomon and Solomon PC are no longer required to halt their collection efforts. If Solomon and Solomon PC refuse to respond to your request within the legal timeframe or with adequate information, you can file a complaint with the Consumer Financial Protection Bureau.
SoloSuit helps people fight debt collectors. We have everything you need to win. How it works: SoloSuit is a step-by-step web app that makes it easy to complete a Debt Validation Letter.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
If you’re sued by Solomon and Solomon, you need to respond by filing an Answer. Filing an Answer will protect your rights and save you from garnishment. In most states, you only have 14-30 days to file an Answer.
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Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.