Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act? 
