What happens if I don’t respond to a debt collector’s request for payment?

If you do not respond to a debt collector’s requests for payment in Oregon, the debt collector can take certain steps to collect on the debt. The debt collector may take you to court, where a judge can order you to pay the debt. The debt collector can also try to take money from your bank account or wages, if the original contract you signed with the original creditor allowed it. In addition, the debt collector can report the unpaid debt to the credit bureaus, which could have a negative impact on your credit score. It’s important to remember that you do have rights when it comes to debt collection. In Oregon, debt collectors are required to only contact you between the hours of 8:00 am and 9:00 pm and they must treat you with respect. The debt collectors must also provide you with information about the debt, such as how much is owed and the name and address of the original creditor. Debt collectors cannot harass, threaten, or abuse you, and if they do, you can take legal action against them. If a debt collector is contacting you, you should contact an attorney to learn more about your options and your rights. An attorney will be able to advise you on the best way to handle your debt and protect your rights.

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What happens if I don’t respond to a debt collector’s request for payment?

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