What is a debt collector’s burden of proof?

In Wisconsin, debt collectors have a burden of proof when they are attempting to collect debt from a consumer. This means that the debt collector needs to provide evidence that the debt is valid and that the person they are trying to collect the debt from is actually responsible for it. In order for a debt collector to prove this, they must provide a copy of the debt contract or other written documentation that proves the debt is valid and that the person they are attempting to collect from is responsible for it. Debt collectors also need to provide a copy of any verification letter or notice that has been sent to the consumer in question. This letter or notice is typically sent when the debt collector is attempting to collect on a debt and it lays out the debt amount, who the creditor is, and the total amount due. This is important because it serves as proof that the debt collector is trying to collect a legitimate debt and not a fraudulent one. Lastly, a debt collector may also provide proof that they have made contact with the consumer in question or that they have sent them a bill for the debt. This is important because it shows the debt collector is actively trying to collect the debt and that they are not simply trying to take advantage of someone who may not know what they owe or how much they owe. In summary, debt collectors have a burden of proof that they must meet if they are attempting to collect debt from consumer in Wisconsin. This proof typically consists of providing a copy of the original debt contract or other written documentation, a verification letter or notice, and proof of contact with the consumer in question.

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