How do I know if I am being pursued by a legitimate debt collector?

To determine if a debt collector is pursuing you legitimately, you should first check with your local consumer affairs office. They can provide you with information about debt collectors licensed to operate in your area. The debt collector should also provide you with written notification that includes the name of the company they represent, how much you owe, and details of how to dispute the debt. Additionally, they must comply with the Fair Debt Collection Practices Act, which prohibits them from using threats, harassment, or deception to collect a debt. You should also check the Texas Collection Defense Law, which provides additional protection for Texans from questionable debt collection activities. This law requires debt collectors to register with the Texas Office of Consumer Credit Commissioner, and to provide information about their practices to the Commission, such as about the debt collection process and any legal action they intend to take. The law also limits the amount of contact a debt collector can have with a debtor, and restricts the hours and methods of communication. If a debt collector is still pursuing you after you’ve checked with the consumer affairs office and the Collection Defense Law, you may want to seek legal advice from an attorney. An attorney can help you protect your rights and make sure that the collection attempts are in compliance with the law.

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How do I know if I am being pursued by a legitimate debt collector?

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