What happens if I dispute a debt with the debt collector?

If you dispute a debt with a debt collector in California, they must cease all collection efforts until they have provided you with proof of the debt. The collector will usually send you a letter with details about the debt, such as the amount owed, the original creditor, and why you owe the money. Once you have received this information, you can either dispute the debt in writing or request further details about the debt. If you dispute the debt, the collector must stop all collection activities until it can provide you with proof that the debt is valid. This proof must include sufficient documentation of the creditor, the original amount of the debt, and the details of the original agreement. If the debt collector fails to provide this proof, they cannot continue trying to collect the debt from you. In addition, California’s debt collection laws protect you from certain harassment tactics, such as repeated calls or threats. If you believe that the debt collector has violated the Fair Debt Collection Practices Act or other state debt collection laws, you can file a complaint with the California Attorney General’s Office. The office may investigate the matter and pursue action against the debt collector on your behalf.

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What happens if I dispute a debt with the debt collector?

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