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Things a Debt Collection Agency Must Tell You

Things a Debt Collection Agency Must Tell YouWhen you’re deep in debt, it’s not easy to climb your way out. It’s a challenging situation that gets even more stressful when the creditors want their money back and debt collectors get involved. Just the thought of having to open the mailbox or the sound of the phone ringing can be nerve wracking. So it’s worth knowing your rights and that there are certain things a debt collection agency must tell you.

Written Notice
A debt collector is not permitted to just call and tell you that you owe a debt. They must provide written notice within five days of contacting you. The letter must set out the amount of money you owe, the name of the creditor and any relevant details.

Right to Challenge
The debt collection agency must also explain the process you should follow if you believe you do not own the debt. You have the right to challenge the validity of the debt so long as you do so within 30 days of receiving the written notice.

Stop Calling
Debt collectors have to stop contacting you if you send a letter asking them to do so. However, it’s also important to remember that a legitimate debt will not go away simply because the phone calls stop.

Know What You Owe
Regularly keeping track of your debts via a credit report can help if you are ever contacted by a debt collector. You can get your credit report free from a reporting agency, unless you need it quickly. It’s a good way to help you spot any fake debt collectors but it can also help you face the issues and come up with a plan to address them before the debt collectors come knocking.

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