R20-4-1521. Duty of Investigation

A collection agency shall give copies of its evidence of the debt to the debtor or the debtor’s attorney upon request. After providing the evidence, but before continuing its collection efforts against the debtor, the collection agency shall investigate any claim by the debtor or the debtor’s attorney that: 1. The debtor has been misidentified, 2. The debt has been paid, 3. The debt has been discharged in bankruptcy, or 4. Based on any other reasonable claim, the debt is not owed.