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Proof should include a written document with your name, the name of the creditor and the amount you owe.If you don’t think the amount of money the collector is trying to collect from you is not the correct amount, you must send the collector a letter stating you do not agree that you owe the amount of money they are asking you to pay.Pro Tip: If you’re going to dispute the debt, it’s a good idea to do so immediately.A collector may report the debt to a Consumer Reporting Agency, or send you notice of the debt the same time it sends you a summons to appear in court.You may wish to contact an attorney to help you with this process.If you do not have an attorney or cannot afford one, you can contact your Local Legal Services provider, or the Lawyer Referral Service of the state, county or local bar association near your home. The Fair Debt Collection Practices Act does not change the laws of any State Debt Collection Practice unless that law conflicts with any part of the Act. for free on to find out where your credit currently stands.This tool will break down your credit scores into sections and give you a grade for each.
Until you dispute any or all of the debt in writing, within 30 days of receiving the notice of debt, (which, as we mentioned earlier, is not based on the postmark or the date of the letter) the collector can continue to try to collect the debt from you.The Federal Trade Commission works for consumers to prevent fraudulent, deceptive and abusive business practices.To file a complaint, you can visit call 1-877-FTC-HELP.The collector is not legally allowed to contact you again after that, unless your attorney gives the collector permission to contact you.If you think you don’t owe the creditor money, you must send the collector a letter stating that you believe you do not owe the money to the creditor.
For example, the creditor may decide to sue you to recover the debt, in which case they’re allowed to contact you again to give you this update., tell the collector the name of your attorney.