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

If you are contacted by a debt collector, it is important to take the situation seriously. Debt collectors are allowed to call you to discuss your debt and try to collect payment, but they must follow laws set forth by the Fair Debt Collection Practices Act (FDCPA). If you are contacted, you should first verify that the debt is actually yours. Ask the collector for details about the debt, such as the original creditor, the amount owed, and when it was incurred. You can also request a written “validation notice” from the collector which will provide the same information. Once you know the debt is valid, you should contact the collector to discuss payment options. It is important to keep detailed records of all contact you have with them. You should document the date, time, and name of the person you spoke with, as well as the contents of the conversation. You can also request that collectors stop calling or contact you in writing if it is more convenient. Under the FDCPA, collectors must stop calling if you make such a request in writing. It is important to remember that debt collectors are not allowed to use abusive or harassing language and you have the right to pursue legal recourse if they do. Finally, if you are having difficulty dealing with debt collectors, you should contact an attorney or a credit counseling agency for assistance. These professionals can help you explore your options and ensure that your rights are protected.

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

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