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

If you have been contacted by a debt collector in Virginia, it is important to take action. The Virginia Consumer Protection Act requires debt collectors to treat consumers fairly and prohibits them from engaging in certain unfair practices. The first thing you should do is ask for written verification of the debt. You have the right to request that the debt collector provide you with a written notice containing information about the debt, such as the amount, the name of the creditor and a description of your rights under the Virginia Consumer Protection Act. You should also be aware of your other rights under the Virginia Consumer Protection Act. Debt collectors are not allowed to call you before 8:00 a.m. or after 9:00 p.m., or use language that is harassing, oppressive, or abusive. They must also respect your right to privacy and not disclose the existence of your debt to anyone other than you. If a debt collector is violating any of the rights under the Virginia Consumer Protection Act, you can file a complaint with the Virginia State Corporation Commission. Their Consumer Protection Division will investigate your complaint and if they find that a debt collector has violated the Act, they may impose penalties on the debt collector. Finally, it is important to contact an attorney if you believe you have been the victim of consumer fraud. An attorney can help you understand your rights and protect you from unfair debt collection practices.

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

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