The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Virgin Islands Letter Informing Debt Collector that Debtor is Represented by an Attorney
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Multi-State
Control #:
US-01429BG
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Word;
Rich Text
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Description
How to fill out Letter Informing Debt Collector That Debtor Is Represented By An Attorney?
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FAQ
If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt. It can't sue you or list the debt on your credit report. Why request validation, even if you're ready to pay and you know it's your debt? Simple.
The amount of the debt. The name of the creditor you owe. That you can dispute the debt. A statement that ? unless you dispute the validity of the debt or any of the amount within 30 days after receiving notice ? the debt collector will assume the debt to be valid.
Ask the caller for their name, company, street address, and telephone number. If your state licenses debt collectors, you can also ask for a professional license number.
The details of the debt such as the amount and the type. information about any person who's collecting the debt for them.
This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. If the debt collector doesn't or can't provide this information, it could be a scam. Never give sensitive financial information to the caller, at least not until you've confirmed they're legitimate.
Responding to a debt collection letter depends on the type of debt your creditors are claiming you owe. If you feel the amount of the proposed debt is correct and you can afford to pay it, do so. This will be a sufficient form of response and should halt any collection activity.
We advise you to send whatever information you have, even if you think it is outdated or unimportant. A good collection agency can conduct research based on an old address or old phone number. Supporting documents, such as a signed contract, invoice, or other paperwork, can be very helpful.
You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and may also have to pay you damages. If you're having trouble with debt collection, you can submit a complaint with the CFPB.
