What to Know If You’re Receiving Collection Calls
If you’re receiving calls from debt collectors, it’s important to know your rights and take steps to protect yourself. Here’s what you need to be aware of:
Know Your Rights
Fair Debt Collection Practices Act (FDCPA):
Debt collectors must follow strict guidelines that prohibit abusive, deceptive, or unfair practices. They cannot use threatening language, call repeatedly at odd hours, or misrepresent the debt amount.
For more details, read the FDCPA here.
Request Debt Validation
Debt Validation Notice:
You have the right to request a written validation notice that provides details about the debt, including the original creditor’s name, the amount owed, and any additional fees. Until you receive this, you do not have to acknowledge the debt.
What to Do:
Request debt validation in writing and keep a copy for your records.
Keep Detailed Records
Document Every Call:
Note the date, time, collector’s name, and a summary of each call. This documentation can be useful if you need to dispute the debt or report harassment.
Request Debt Validation
Be Cautious:
Avoid providing additional personal or financial details until you have verified the legitimacy of the collector and the debt.
Cease Communication Request
Stop the Calls:
If you feel harassed or if the calls are too frequent, you can send a certified letter requesting that the collector stop contacting you. Once they receive it, they are only allowed to contact you regarding legal action.
Consult a Professional
Seek Guidance:
If you’re unsure about the debt’s legitimacy or feel overwhelmed, consider consulting with a consumer protection attorney or a reputable credit counseling service.
Download Your Debt Validation Letter Template
To help you exercise your rights, we’ve provided a Debt Validation Letter Template. Download the file below or copy the text into a Word document, fill in your details, and send it via certified mail to the collector.
Debt Validation Letter Template
Legal Disclaimer:
The contents of this Debt Validation Letter Template are provided for informational purposes only and do not constitute legal advice. I am not a licensed attorney, and the use of this template does not create an attorney-client relationship. If you have any legal questions or concerns regarding your rights under the Fair Debt Collection Practices Act (FDCPA) or any other applicable law, please consult with a qualified attorney.