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Who now owns the debt, the original creditor or the debt collector?
Did the creditor sell the debt some time ago, and the amount they are proiding is from a prior point in time, with the amount now being asseted by the debt collector incllduing additonal accrued interest?
Is the debt itself valid, and you only contest the current amount?
Finally, a DV has no set period for response, so it is unclear as to how they have a set date for response.
I've haven't seen an original debt double due to interest over a max of 7 years, since years ago when they buckled down on buyers committing what amounted to highway robbery.
Find out if Sprint still owns the debt or if they can recall it.....sounds like they would be easier to deal with then the CA.
FDCPA 808(1) is your governing federal statute.
It specifices that it is a violation for a debt collector to attempt to collect any amount, including interest of other fees, that is not specifically authorized in the contract with the creditor that created the debt or permitted by law.
Based on that section of statute, case law has affirmed the right of a consumer to nclude in a DV request an itemization of the asserted debt, as that is the only way they can then evaluate whether the asserted debt is in compliance with section 808(1).
Send a DV, and include a specific request for an itemization of the asserted debt, and a showing of how any interest or other fee is either authorized in the contract that created the debt or permitted by law.