If a debt collector contacts you, it’s important to stay calm, know your rights, and take the right steps to protect yourself. Here’s what you should do:
1. Do Not Admit to the Debt Right Away
- Do not confirm that the debt is yours until you have verified it.
- Even saying “I’ll pay soon” could restart the statute of limitations, making you legally responsible for an old debt again.
2. Ask for Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter. The collector must provide:
✔️ The amount of the debt
✔️ The original creditor’s name
✔️ Your right to dispute the debt within 30 days
➡️ Tip: If they refuse to send this letter, they may be violating the FDCPA.
3. Know Your Rights Under the FDCPA
Debt collectors cannot:
❌ Call you before 8 AM or after 9 PM
❌ Harass, threaten, or use abusive language
❌ Call your family, employer, or friends about your debt (except to locate you)
❌ Lie about the amount you owe or pretend to be law enforcement
If any of these happen, they may be breaking the law.
4. Keep Records of All Communications
- Save all voicemails, letters, emails, and texts
- Take notes on every call (date, time, who you spoke with)
- If possible, record the call (check your state’s laws first)
➡️ Tip: Documentation can help you dispute the debt or take legal action if the collector violates your rights.
5. Consider Sending a Cease-and-Desist Letter
If you don’t want to be contacted, you can send a Cease-and-Desist Letter requesting that they stop all communication.
🔹 They can only contact you again to confirm they will stop or notify you of legal action.
➡️ Tip: Send the letter via certified mail with a return receipt for proof.
6. Watch Out for Scammers
🚨 Warning Signs of a Debt Collection Scam:
❌ They refuse to provide a debt validation letter
❌ They demand immediate payment or threaten arrest
❌ They ask for payment via gift cards, wire transfer, or cryptocurrency
➡️ Tip: Never give out personal or financial information until you verify the collector is legitimate.
7. Get Legal Help If You’re Being Harassed or Sued
If a debt collector is violating your rights or has filed a lawsuit against you, don’t face it alone. You may be entitled to financial compensation for FDCPA violations.
📞 Call The Wood Firm PLLC at844-638-1122
📧 Email us at help@protectionforconsumers.
Protect yourself from abusive debt collection practices—know your rights and take action today!
