How do I know if a letter from a debt collector is legitimate?

It is important to make sure that a letter from a debt collector is legitimate, especially in Texas, due to the state’s collection defense law. A legitimate letter will clearly show the full name and address of the debt collection company and provide information about the debt, such as the original creditor, the amount owed, and what you must do to resolve the debt. Additionally, a legitimate letter will contain a notice of your right to dispute the debt and a statement that the debt collector will provide verification of the debt if you dispute the debt in writing. If you are still unsure, you can contact the debt collector or the original creditor to verify the debt. This can be done over the phone or in writing. It is important to keep a record of the contact, including a copy of any letters you send. You should also contact the appropriate state or federal consumer protection agency to make sure the debt collector is in compliance with the law. If any part of the letter looks suspicious, is not accurate, or is not in compliance with the law, you may have the right to dispute the debt. Consulting an attorney or the advice of a consumer protection agency is recommended in this case.

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How do I know if a letter from a debt collector is legitimate?

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