Consumer must be sent debt validation in writing within five calendar days of initial communication unless information is contained in initial communication or unless consumer pays the debt

If consumer disputes a debt in writing within 60 days, all collection activity must stop until the debt is verified

If consumer disputes a debt in writing within 15 days, all collection activity must stop until the debt is verified

If a consumer owes multiple debts and makes any multiple payments, debt collector must apply to debt in accordance with the consumer's direction