Hey if you're in this situation.

Look up " Debt Validation Letter" and see what that does.

Then ask your collector to provide it :P

March 12, 2026 - 21:07 UTC

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Why is it so fucking hard for them to just leave us alone dude
They gotta make every little thing actively worse. Every little thing
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That’s politicians for you… They just don’t care… I know it’s important to vote, but I am at the point where I might not wanna vote anymore because if my vote actually did something, we wouldn’t be in this horrid mess… :(
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I do mean actually look it up and consult a legal advisor on what to do. ( surprisingly easy and not something you have to dump a bunch of money into )

It differs from state to state. But you know if they can’t prove you owe them…..
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So looking into this, most things say “Sent within 30 days of first contact.”

So presumably, and I’m not saying someone would. But if they were on the SAVE plan and then their debt got handed off to a collector, they’d need to send it within 30 days of that collector contacting?

Just Theoretically
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