What if I receive a collection notice in a language other than English?
If you receive a collection notice in a language other than English, you still have certain rights under the Delaware Collection Defense Law. Your debt collector is required to provide a translation of the notice in the language that it was sent, free of charge. This translation should include all of the important information you need to know about the debt, such as the name of the original creditor, the amount you owe, and the date the debt was incurred. The translation should also inform you of your rights to dispute the debt if you believe it is not valid. If you do not understand the translated notice, you are entitled to ask your debt collector for a clear explanation of the notice and your rights. If the debt collector refuses to explain the notice to you, then they are in violation of the Delaware Collection Defense Law. You may be able to file a complaint with the Federal Trade Commission or the Delaware Attorney General’s Office in order to enforce your rights. Under the Delaware Collection Defense Law, debt collectors are also prohibited from using language that is threatening or harassing in any language. If they do use any of these types of language, you may be able to file a complaint with the Federal Trade Commission and the Delaware Attorney General’s Office. If you have any questions regarding the Delaware Collection Defense Law or have received any collection notices that you do not understand, you should contact an attorney in Delaware who specializes in collection defense law. They can help you understand your rights and ensure that debt collectors are following the law.
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