How do I challenge a debt collection agency on the phone?

When dealing with debt collection agencies on the phone, it is important to understand your rights. Under the Fair Debt Collection Practices Act, debt collectors must treat you fairly and respectfully. When you are approached by a debt collection agency on the phone, it is important to request proof that you actually owe the debt. This can be done by asking for a written notification stating the amount of debt you owe and the name of the creditor. The debt collector must also provide you with a validation summary. In West Virginia, you have the right to challenge the debt collection agency on the validity of the debt. The collection agency must provide you with the name of the original creditor and the account number of the original debt. You also have the right to dispute any inaccurate information in the debt collection record. The debt collector must investigate the dispute, and if the information is inaccurate, the debt collection agency must update their records. Finally, if a debt collection agency is calling you to collect a debt, it is important to keep notes on all the conversations you have with them. If you feel that the debt collector has violated the Fair Debt Collection Practices Act, you can file a complaint with the West Virginia Attorney General’s Office.

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How do I challenge a debt collection agency on the phone?

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