Notice And Verifying Debt. Within five days after first contact, the collector must send a written notice advising the consumer of the amount of money owed; name of creditor to whom money is owed; and actions which the consumer may take if they believe that they do not owe the money. The failure of consumer to dispute validity of a debt under section is not admission of liability by consumer. Requirements in addition to "mini-Miranda" of Section 807 (12).

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