Debt Collection FAQs
Common questions about debt collection demand letters.
Frequently Asked Questions
What are my rights when contacted by a debt collector?
The FDCPA gives you rights including: validation of debt, limits on contact times/methods, and protection from harassment.
Can I dispute a debt I don't recognize?
Yes, request debt validation in writing within 30 days. The collector must prove you owe the debt.
What if the debt is past the statute of limitations?
You may still owe the debt morally, but collectors may not sue you for it. Be careful not to restart the clock.
Can debt collectors contact my employer?
Only to verify employment. They cannot discuss your debt with your employer or call you at work if you tell them not to.
What should I do if a collector violates the law?
Document everything and consider filing a complaint with the CFPB or suing under the FDCPA for damages.
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