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Have you ever received a call from a collection agency or debt collector? While this can be quite alarming at first, it's important to stay calm. Check Out: You Can Get These 3 Debts Canceled...
Here’s what you can do if you receive a debt collection text, call, email or letter: Get contact information . Request the caller’s name, company details, street address and a callback number.
Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...
To best protect yourself, research the debt and request a debt validation letter. Check your state's laws to research your rights against zombie debt, including statute of limitations laws, so you ...
• Fake email addresses - Malicious actors sometimes send from email addresses made to look like an official email address but in fact is missing a letter(s), misspelled, replaces a letter with a lookalike number (e.g. “O” and “0”), or originates from free email services that would not be used for official communications.
In the United States, demand letters from a debt collector relating to a consumer debt must comply with the Fair Debt Collection Practices Act. [6] In certain types of legal proceedings in Quebec, a demand letter is mandatory; without it, a person could lose their case. [7]