Kentucky Letter to Debt Collector - Only call me on the following days and times
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FAQ
3 Things You Should NEVER Say To A Debt CollectorAdditional Phone Numbers (other than what they already have)Email Addresses.Mailing Address (unless you intend on coming to a payment agreement)Employer or Past Employers.Family Information (ex.Bank Account Information.Credit Card Number.Social Security Number.
Yes, a debt collector can call on Sunday, unless you've told them that Sunday is inconvenient for you. If you tell them not to call on Sunday, and they do so anyway, then the call violates the Fair Debt Collection Practices Act.
If a debt collector fails to validate the debt in question and continues trying to collect, you have a right under the FDCPA to countersue for up to $1,000 for each violation, plus attorney fees and court costs, as mentioned previously.
Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter. If you don't dispute the debt within 30 days, the debt is assumed valid. That means the debt collector can continue to contact you. You can still send a dispute after 30 days.
Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes: The amount owed.
A new rule allows debt collectors to contact you on social media, text or email not just by phone. The rule, which was approved last year by the Consumer Financial Protection Bureau's former president Kathleen L.
Dear Debt collector name, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.
You may ask a debt collector to contact you only by mail, or through your attorney, or set other limitations. Make sure you send your request in writing, send it by certified mail with a return receipt, and keep a copy of the letter and receipt.
Although debt collectors can leave a message on your machine, they cannot necessarily do it legally. The FDCPA exists in order to protect your privacy and prohibits debt collectors from disclosing your information to third parties. Third parties include your family, friends, boss, or anyone other than your spouse.
Nowadays, most debt collectors record all phone calls so they retain that authorization through recordings, but it is also not uncommon for the debt collector to request the consumer send that initial email anyway so they know for certain who they are replying to.
