Your mom has done verbatim what she needs to do to screen her legal rights. She has disputed the accountability in writing and demanded proof. Under the federal Fair Debt Collectors Practices Act, overseen by the Federal Trade Commission, if the gatherer can't fix up document of the autochthonous indebtedness (such as a copy of the tally from the credit card company) after receiving a difference letter, it must stop all gathering efforts.
Collection agencies procure debt for pennies on the dollar and much of the while cannot provide proof of the debt when required to do so. We'd advise you stay for the agency's response and predict that will be the continue you hear of it. It is tenable the agency will turn around and sell it to another collector. If you ascertain from another agency about the debt, record another letter disputing it.
Whatever your mom does, confirm her not to transmit on the debt. If she pays even a meagre amount, she will be validating it. If a consumer knows a liability to be valid, he or she can often engineer a settlement symbol with a collection agency. But it's consequential to get any negotiated payoff act in writing before sending money.
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