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

If you are contacted by a debt collector in California, the first thing you should do is remain calm and take a deep breath. If you feel comfortable, you can then proceed to ask them a few questions. It is important to document this conversation, so make sure to write down the name of the debt collector and the time and date of the conversation. You should then ask the debt collector to provide you with proof that you actually owe the debt. This proof should be in the form of an original contract, such as a credit card statement or a loan repayment agreement. If they are unable to provide you with an original contract, then the debt may not be valid and you may not owe it. You should also ask the debt collector to provide you with information regarding the original creditor. This will help you determine if the debt is accurate and can help you determine how to proceed. It is also important to note that debt collectors in California must adhere to the California Consumer Fraud Law. This means that they are not allowed to harass or threaten you in any way, or use any type of false information to try and collect a debt from you. If you feel that a debt collector is attempting to use any of these tactics, you should contact the California Attorney General’s office immediately. They will be able to provide you with advice and may even be able to help you with any legal action you may need to take.

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

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

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