How do I challenge a debt collection agency on the phone?
In Maryland, it is important to understand the Collection Defense Law when engaging with a debt collection agency. The law requires debt collectors to be honest and follow certain procedures when contacting you about a debt. If you want to challenge a debt collection agency on the phone, you should first understand the law and your rights. The law states that you have the right to request verification of any debt being collected. This means that you can request proof that the debt is yours and that it is valid. The debt collector must provide you with this information in writing within 30 days of you making the request. You can also request information about the original creditor. When the debt collector contacts you, ask them specifically who the original creditor of the debt is and for more information about the debt. Debt collectors must provide this information when requested. If you believe the debt collector is not following the law, you can file a complaint with the Consumer Financial Protection Bureau. You can also dispute the debt with the debt collector, in which case the debt collection agency must provide you with a written notice of your dispute within five days of receiving it. If you believe a debt collector is not following the Collection Defense Law, you should contact a consumer attorney for further advice. An attorney can help you understand your rights and advise you on how to proceed with any dispute you may have against the debt collector.
Related FAQs
What is a stay of proceedings in a collection defense law case?What is a writ of garnishment?
How do I negotiate with a debt collector?
How do I determine the statute of limitations on my debt?
Can a debt collector contact third parties regarding my debt?
How do I file a collection defense law claim?
How can I stop a debt collector from calling me?
What kind of evidence is needed to win a collection defense law case?
What is considered a reasonable collection fee?
Are there any restrictions on when a debt collector can call me?
Related Blog Posts
A Beginner's Guide to Collection Defense: What You Need to Know - July 31, 2023What is the Fair Debt Collection Practices Act and How Does It Affect Your Rights? - August 7, 2023
How to Challenge Unfair Collection Tactics - August 14, 2023
Common Collection Defense Strategies that Could Help Your Case - August 21, 2023
Understand Your Rights: What You Need to Know About Collection Defense Law - August 28, 2023