What is validating identity
The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows you to request the debt collector to send proof of the debt through a process called debt validation.You might want to just pay the collection and get it over with, particularly if you know the debt is yours and you need to pay it off to have a loan application approved.Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you.This notice will state your right to dispute the validity of the debt within 30 days.
The third form of identity verification is the one most commonly used -- satisfactory evidence. If he is smiling or frowning in the picture, ask him to do so now. - does the age (based on the birth year shown) match the age of the person in front of you? Legal disclaimer: The American Association of Notaries seeks to provide timely articles for notaries to assist them with information and ideas for managing their notary businesses, enhancing their notary educations, and securing their notary supplies but makes no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the information contained . Though we will sometimes provide information regarding federal laws and statutes and the laws and statutes of each state, we have gathered the information from a variety of sources.The credible witness has to appear with the signer at the time that the document is being notarized.It is considered a best practice (or may be required by law) that the notary administer an oath or affirmation to the credible witness and that the witness sign an affidavit stating that he or she verifies the identity of the document signer. match the signature on the document and the one in your notary journal? that makes you nervous, ask the signer to explain and listen to his answer while watching his face and hands to see if he appears to be telling the truth.The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter.If the debt collector’s first communication with you is a phone call, you should receive a debt validation letter from them within five days.