If you are not sure that a debt collector has contacted the first thing you do is send a validation letter to the collection agency debt is calling constantly. The purpose of this letter is to ensure that the collector owns the rights to collect money from you first.
Suppose you paid the debt collector. Later in the way, the original creditor still call and say I have the money paidthe creditor, since they were not related to the collection agency anyway.
This is where the debt validation starts according to the Fair Debt Collection Practices Act you are entitled to an agency to validate a debt. The purpose of this Act is to protect consumers who constantly before the collection agencies. You has 30 days the day before talking to a debt collector to send a validationletter. Are not their rights be protected.
The following is an example of a validation letter to be sent to collection agency.
Smyth and Proctor Collection Agency
1700 East 33 Street Baltimore, MD 21251
To whom it may concern,
My name and surname. I write because I recently contacted the company about a debt that the company says I have to. This is not a refusal to pay, but I do not remember do business with this company and I wonder if you can legally raise money from me for this debt.
The Fair Debt Collection Practices Act, 15 USC § 1692g. 809 states that have allowed me to dispute the debt. I chose to exercise that right. They are, therefore, choose to exercise that right as much as I can legally.
In this regard I ask you to send me these documents verification> Debt: The name and address of the original creditor, is calculated as the sum he has to say, and the license is legally able to work in my state.
I am aware of my rights under the Fair Debt Collection Practices Act, which states that one can not blindly to collect the debt from me until you validate this debt. I am also aware that you are your company is not allowed to enter negative / derogatory / misleadinginformation from my credit report. If you discover that you have violated this right to call my lawyer and take legal action.
If you do not get an answer on this question in 30 days and not have to grope for the right to collect a debt. It was not even allowed to communicate with my wife, lawyer, or anyone who might be connected with this is the law , please respect my legal rights.
From this point on is just to contact me in writing thisletter. The purpose of this letter was going to fix your mind that I am a legal dispute.
Sincerely,
Surname
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