What should I do if I am contacted by a debt collector?

If you are contacted by a debt collector in Arizona, you should take action to protect your rights. Under Arizona’s consumer fraud law, debt collectors must follow strict guidelines when attempting to collect a debt. For instance, they must provide you with written notice of the debt when they first contact you. In addition, they must not use deceptive or harassing tactics such as calling excessively or using profanity or threats. They are also prohibited from calling you before 8:00 a.m. or after 9:00 p.m. If a debt collector contacts you, it’s important that you understand your rights and the laws in place to protect you. You can contact the Arizona Attorney General’s Office or the Federal Trade Commission to learn more about the debt collection process. Additionally, you can contact an attorney if you feel a debt collector is violating your rights. Be sure to keep all documentation related to the debt and the debt collector’s attempts to collect the debt. This includes letters, emails, and phone calls. Additionally, make sure you document any attempts to dispute the debt or negotiate a payment plan. Finally, you should never provide the debt collector with personal information such as your Social Security number or bank account number. Legitimate debt collectors will not require this information during their initial contact. If you are uneasy about the debt collector’s tactics, cease communication and seek legal advice.

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What should I do if I am contacted by a debt collector?

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