This notice is not from a debt collector but from the party to whom the debt is owed.
This notice is not from a debt collector but from the party to whom the debt is owed.
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You should receive a statement before you are asked to make a payment. Generally, the creditor does not have to tell you before it sends your debt to a debt collector, but a creditor usually will try to collect the debt from you before sending it to a collector.
Let's Summarize... If you're facing debt collection, it's important to understand how the process works and what options you have. If you ignore a debt in collections, you can be sued and have your bank account or wages garnished or may even lose property like your home.
Summary: A "creditor" is not required to inform their clients before passing an account to collections. A debt collection agency is responsible for sending an initial demand letter, also known as a ?validation notice,? to notify your debtor about their account being assigned to the agency.
You can consider contacting a lawyer that specializes in debt collection cases if you don't believe you can resolve the issue with the debt collector or credit reporting companies. If you win your lawsuit, you can recover lawyer fees and other court costs.
You can report a debt collector's failure to respond to your state's attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC. You may also file a counterclaim against the debt collector for up to $1,000 for each violation.
Therefore, even if collection agencies came under the umbrage of the law, they can still report to the credit bureau without notifying you. This would cause the debt to appear on your credit report, which will cause your credit score to drop.
If a bill that's reported to debt collection never came to you first, you can file a dispute with the credit bureaus. In your dispute, say that you were never notified of the debt.