Fair debt collection practices act section 809b validating debts adult affiliate dating online program

y wife and I recently received a call from a debt collection agency.

They didn’t identify who they were in the voice mail or that they were calling to collect a debt.

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806), making false or misleading representations (Sec.

807), or engaging in certain unfair practices (Sec. For our purposes today, it also has a provision that allows you to stop a debt collector from contacting you except in limited circumstances.

His response was classic–“What are you going to do, call the phone police?

” Yes, that’s exactly what I’m going to do, and here’s how.

This can be done for free once a year from each of the three major credit reporting agencies.

No record of the debt shows up on our credit reports.

A debt collector also cannot contact you if they know you are represented by an attorney.

And they cannot contact you at your place of employment if they know or should know that your employer does not permit such calls at work. The Fair Debt Collection Practices Act arms consumers with the ability to stop further calls or other contact from a bill collector.

In accordance with the Fair Debt Collection Practices Act (FDCPA), you can challenge the validity of a debt.

Following is a sample debt validation letter that you can use to request the creditor/collection agency verify that the debt is actually yours and you are legally bound to pay that debt.

Simply notify the debt collector in writing either that you refuse the pay the debt or that you wish the debt collector to stop any further communication. Now the statute does allow debt collectors to contact you after such a notice is sent for certain limited circumstances, but they can’t continue to contact you simply to collect the debt.

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