Rhode Island § 19-14.9-9 § 19-14.9-9. Validation of debts.

Rhode Island Statutes

§ 19-14.9-9 — § 19-14.9-9. Validation of debts.

Rhode Island § 19-14.9-9

Title 19Financial institutions

Ch. 19-14.9Rhode Island Fair Debt Collection Practices Act

This text of Rhode Island § 19-14.9-9 (§ 19-14.9-9. Validation of debts.) is published on Counsel Stack Legal Research, covering Rhode Island primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

R.I. Gen. Laws § 19-14.9-9 (2026).

Text

§ 19-14.9-9. Validation of debts.
(1) Within five (5) days after the initial communication with a consumer in connection
            with the collection of any debt, a debt collector shall, unless the following information
            is contained in the initial communication, or the consumer has paid the debt, send
            the consumer a written notice containing:
         
(a) The amount of the debt;
         
(b) The name of the creditor to whom the debt is owed;
         
(c) A statement that unless the consumer, within thirty (30) days after receipt of the
            notice, disputes that

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§ 19-14.9-9. Validation of debts.

(1) Within five (5) days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing:

(a) The amount of the debt;

(b) The name of the creditor to whom the debt is owed;

(c) A statement that unless the consumer, within thirty (30) days after receipt of the notice, disputes that validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(d) A statement that if the consumer notifies the debt collector in writing within the thirty-day (30) period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(e) A statement that, upon the consumer's written request within the thirty-day (30) period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(2) If the consumer notifies the debt collector in writing within the thirty-day (30) period described in subsection (1)(d) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(3) The failure of a consumer to dispute the validity of a debt under this section shall not be construed by any court as an admission of liability by the consumer.