How to fight against debt collection if they are wrong?

If you have no outstanding payments, but is contacted by a debt collector who claims to have supporting documentation that indicates I have a money lender, do not worry. No matter how aggressive the collector may seem, do not let them intimidate you to pay the money you know you do not. You can protect yourself through two different actions that can help prove their case that the debt is wrong.

The first action is to sendcollection agency a letter of "termination of communication." This is a letter indicating the tax collector is no more they want to communicate with you, and under the rules of the Fair Debt Collection Practices Act (FDCPA), once the debt has been informed of his desire to end the communication, not allowed to contact you. You can also verbally inform them of his decision, and must adjust toapplication. However, by submitting a written request for termination, there is evidence that the formal request came true.

After submitting a written request, have stopped harassing debt collectors, the second action to take is to seek verification of the debt, or debt validation. The FDCPA gives consumers the right to dispute the debt is to ask a debt collector, and requires that the debtor mustgiven written verification of the debt upon request. Written verification must include the name and address at which the debt has begun.

Note, even if you have the right to dispute a debt at any moment, their rights can only be activated by sending its first request for written verification of the debt within 30 days of being contacted by a debt collector debt. Put another way, when one hears about the debt, either in writing or by phone,has 30 days from now to make your request debt validation. However, while not denying the debt within the first 30 days, this does not mean you have admitted the debt.

Know your rights under the FDCPA is very important, and can be very beneficial to you when it comes to debt collectors. It is also important to understand the rules of the Federal Trade Commission, so you know when you may file a complaint against a debttrap or harass another caller. However, when it comes to receiving harassing or annoying phone calls, do not forget that you can find the owner of a phone number here and try to find information about the mystery caller.