What to Do if You're Abused By a Collector
If you're contacted by a debt collector, you have a
right to dispute the debt either verbally or in writing. If you
want to preserve some rights under the FDCPA, you must send a
written dispute within 30 days of your receipt of the first
"validation notice" from the debt collector.
Click
here for more details.
Even if you owe
the debt, or you cannot pay, you still have rights under the FDCPA.
Most of our clients owe the debt being collected but because of
financial circumstances, or a dispute over the goods or services,
they cannot pay it.
In order to
preserve your rights under the law, it's important for you to keep
good records of all of the contacts.
Important Steps You Can Take
-
Save copies of all letters
and notices from collection agencies
-
Save all phone messages and voice mails-
this is very important!
-
Make note of your conversations
with these bill collectors
-
Call your consumer rights attorney
to help you recover your damages
Collection Communications Log
Here's a great way
to record all of your collection contacts in one place and in
writing. It's called the Collection Communications Log. It will
standardize, simplify, and legitimize your claims against debt
collectors. Click the appropriate link below to get this handy
little form for free!
If you have
suffered from any abusive bill collection practices, you may be
entitled to compensation. Please contact our
office for a free consultation. |
