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Doing this in writing is wise as it ensures that you have proof that you made the request. Always check your credit report to see if there are any mistakes or unusual activity. By law, a collector must provide you with written notice of the debt they are trying to collect from you within five days of the first contact. They must include the amount of that debt, the original creditor to whom the debt is owed, and a statement of your right to dispute the debt.

If you do not receive this notification, you can file a complaint with the Federal Trade Commission. Collectors must first sue in court and actually win their cases before they can take any legal action against you. You can look up a list of debt collectors in the United States. Read up on the actions they can legally take. Debt collectors are prohibited from using false statements or representations to force you into cooperating with them.

This rule holds true even if you owe a debt. If they claim an affiliation with a government or state, tell you that you will face prison time, lose property, or have your wages garnished, or even imply that you committed a crime, it violates the FDCPA.

If you do receive written notice, it should include all the details of the debt. Collectors are prohibited from harassing you when they call or contact you by any other means. This is the law. Instead, the court can determine what is appropriate and what is considered harassment. You can take note of the days and times you receive calls and record messages as evidence. According to the law, debt collectors are not allowed to threaten legal action or wage garnishment even if you do owe a debt. Softwarecrymn on June 18, Regards, I recently came to the SileniusStore.

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We also offer identity verifications as well as cell phone or landline tracing. With agents in Johannesburg, Pretoria, Cape Town and Durban, we tailor our approach according to the wishes of our client and will always act professionally and deal with customers in a manner to ensure that there will be no damage done to your reputation and thus allow you to maintain valuable customer relationships.

Our approach is to contact the debtor face to face and then consistently by phone, via email, via whatsapp and sms in order to reach an amicable outcome. In some cases we may escalate the matter to our legal department to issue formal legal notice and handle blacklisting. This is included in the initial cost. The debt buyer can not lie to you, or harass you. You may also write the debt collection a letter. Ask them to stop contacting you. They will still let you know about major actions they are taking against you.

But, they will not contact you outside of that. A debt buyer can be a bank, an attorney, a real estate broker, or an agency. Learn more about your rights when dealing with debt collectors. So who owns my debt? The company or person contacting you is probably the person who owns your debt. You can also find out who owns your debt by calling your original creditor and asking about settling your account. They should know who they sold your debt to.

You can also review your credit report. See if a known debt buyer is reporting a collection account. What are my rights? You have rights when dealing with debt collectors. You cannot be contacted at certain times, and certain places. If this company is suing you illegally, you may be able to sue them back. The company needs to be licensed to be a collection agency. If you think this company is not legitimate, you can sue them. You can also file a complaint against the buyer with the Illinois Department of Financial and Professional Regulation.

You can file a complaint online, and check if the debt buyer is licensed. You can also contact the Federal Trade Commission. You have more options.. This depends on your situation. You can settle, or even go to court and fight it.

If you do nothing, the court will probably enter a default judgment against you. But you may be collection proof if you have low income and assets. This means that even if they get a judgment against you, they cannot collect the money from you. Then you can respond, and contest the collection. You can write to the agency. Tell them that you do not owe the money. It is possible that there was a mistake in either your identification, or logging of debt payment. If you do not fight the debt, there is a higher chance that a default judgment will be entered against you.

If this is a case of identity theft, you should contact a lawyer. If you are currently settling the identity theft case, a debt collector must stop trying to collect from you.

You must tell them in writing that you are the victim of identity theft. Include as much documentation. Proof of this as you can. ArthurJeala on June 17, Hi, amicable to meet you! Let me originate myselft 53 years old Health Information Manager Charlie from Alexandria, has lots of hobbies including model railways, and spelunkering.

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But be warned: Once a debt is validated, debt collectors can continue to contact you for payment or sue you. Having a time-barred debt on your credit report can affect your credit rating and your eligibility for credit, so keep that in mind if you choose not to pay. If you plan on repaying the debt and you also have other debt that you are trying to pay off, consider a debt consolidation loan. By combining several debts into one loan at a potentially lower interest rate, you can save money and simplify repayment.

Or, if you need to free up cash flow, you can opt for a loan with a longer repayment term for lower monthly payments. You can use the cash to pay down any debts, which in turn will improve your credit rating. Remember though that a home equity loan is secured in your real estate, so do not falter on paying it back or you could lose your home. John Fugate, a Texas consumer attorney relates a story about a rogue debt collector. Complaints about debt collection agencies are on the rise. The Federal Trade Commission said they received more complaints against debt collectors than against any other industry for at least the past three years.

And for the past five years, complaints are up about 43 percent according to the Better Business Bureau. Some of the most common complaints from consumers include collectors using vulgar language, trying to collect more than they're owed, sharing the consumer's debt information with friends and family or trying to collect extra fees, like late fees or court costs. That's not to say all debt collectors are resorting to these illegal tactics.

ACA International is one of the largest credit and collection industry trade groups and it maintains a code of ethics that prohibits this kind of behavior. And ethical debt collectors are necessary. That is how much money households would have spent if businesses were forced to raise prices to cover bad debt. The bottom line here is that if you owe money, you should make every effort to pay off the debt.

If you do not agree with the amount of debt, the verification process should help clear up any confusion. If the debt is not yours due to identity theft, include a copy of the police report regarding identify theft. If you fail to respond within 30 days to dispute the debt, it will be assumed to be valid. Generally, a debt collector cannot discuss your debt with anyone but you, your spouse, and your attorney.

A debt collector is allowed to contact your friends and family, but only to find out your address, home phone number, and where you work. Debt collectors are also limited to contacting the relatives of the debtor only once. They cannot communicate with third parties, such as your employer, neighbors, and family members about your debt.

Can a debt collector sue me? If you did not dispute the debt, and you have not made any payments toward your debt, a debt collector can sue you for the money. If you are sued over a debt, be sure to get an attorney and appear in court on the scheduled court date.

If you do not appear in court, the debt collection agency automatically has a legal recourse to continue trying to collect the debt from you. If you think the debt collection agency has violated the FDCPA, respond with your own lawsuit by the date specified in your court papers. Can I control which debts my payments apply to? If a debt collector is trying to collect multiple debts from you, he or she must apply any payments you make to the debt of your choosing.

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