What information must a debt collector provide me in writing?

In Mississippi, debt collectors must provide you with certain information in writing before they can collect a debt from you. These requirements are outlined in Section 83-23-3 of the Mississippi Code. First, the debt collector must provide you with written proof that you owe a certain debt. This may include a copy of the signed loan agreement or specific details about the debt, such as the amount owed, the creditor’s name, and the date the debt became due. Second, the debt collector must provide a written notice that informs you of your right to dispute the debt. This notice must include information about how to dispute the debt as well as your right to ask for verification of the debt. Third, the debt collector must provide a written notice that informs you of your right to request information about the original creditor. The notice must include specific requirements for how to make this request and how the debt collector must respond. Finally, the debt collector must provide a written notice of your right to have the debt discharged or cancelled after a certain amount of time has passed. This notice must include a definite amount of time for when the debt may be discharged or cancelled. In addition to these written requirements, Section 83-23-3 also requires debt collectors to inform you verbally of your rights and the potential consequences of not paying the debt, such as wage garnishment and legal action.

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What information must a debt collector provide me in writing?

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