What can I do if a debt collector refuses to provide me with proof that I owe a debt?

If a debt collector refuses to provide proof that you owe a debt in Pennsylvania, you have the right to demand this evidence. You can send a letter to the debt collector in question to make your request. Be sure to include your name, address, and account number, as well as your request for proof. You can send the letter via certified mail so that you receive confirmation of receipt. Once the debt collector receives your letter, they must provide you with sufficient proof that you owe the debt within 30 days. This proof should include information such as the amount of the debt, the name of the original creditor, and any other information that would demonstrate that you are responsible for the debt. If the debt collector fails to provide this proof, or if you believe that the debt is inaccurate or invalid, you can dispute it. You can do this by filing a written dispute with the debt collector and including your reasons for believing that the debt is inaccurate or invalid. Lastly, if the debt collector continues to attempt to collect the debt even after you have disputed it, you can file a complaint with the Consumer Financial Protection Bureau or your state’s Attorney General’s office. They will investigate the matter and take appropriate legal action if the debt collector’s actions are found to be unlawful.

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