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

If you are contacted by a debt collector in Delaware, you should take steps to protect yourself. First, you should verify that the debt collector is legitimate. Under Delaware’s consumer fraud laws, debt collectors must provide written evidence that they are a legitimate debt collector and that the debt is valid. Second, do not pay anything until you have received written proof of the debt. This will protect you from any fraudulent debt collectors looking to get your money. Third, if you believe that the debt is not you owe or that the debt collector’s actions are in violation of Delaware’s consumer fraud laws, then you should consult with an attorney. An attorney can help you protect your rights and determine whether or not the debt collector is operating in compliance with consumer fraud laws. Finally, be sure to keep accurate records of all communication with the debt collector. This includes the dates of contact, the topics discussed, and any agreements made. This information can help you should you decide to take legal action against the debt collector.

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

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