<prompt> Human: So whats next? From what I understand they can still attempt to collect the debt at any point of my life but they just have to verify it first? If they contact me before they verify, what do I do?  <response>: The debt collector is not required to send you a response within 30 days, but they must stop their general collection efforts until they have validated the debt.If they do contact you, they may be in violation of the FDCPA which was recently kicked in the gut by the Supreme Court, so youll need to speak to an attorney to see how itll apply to your case whether the debt collector is the actual owner of your debt or not. 