What information must a debt collector provide me in writing?

In Pennsylvania, debt collectors must provide debtors with certain information in writing. This information will usually include the total amount of the debt, the name of the creditor to whom the debt is owed, and a statement informing the debtor of their right to dispute the debt. It must also include information about how the debtor can do this, such as by mailing a letter to the debt collector. Debt collectors must also provide written notice of the debtor’s right to receive verification of the debt from the collector, such as an itemized statement. Additionally, a debt collector must provide a written notice disclosing that the debt is considered to be delinquent and that the creditor may report the debt to one or more credit reporting agencies. The notice must also inform the debtor that the creditor may try to collect the debt using legal processes, such as civil lawsuits. The notice must indicate that the debtor has certain rights, including the right to have the debt collector stop communication with him or her. The debt collector must also provide a written statement that if the debtor is represented by an attorney, the debt collector must communicate with the attorney instead of the debtor. Finally, the debt collector must provide a written statement informing the debtor of the consequences of not paying the debt, such as the creditor’s right to sue the debtor in civil court. In Pennsylvania, debt collectors must provide all of this information to debtors in writing.

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What information must a debt collector provide me in writing?

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