Debt collectors are only permitted to contact you at your residence or workplace between 8 a.m. and 9 p.m. in your local time ...

Key takeaways Before paying a debt in collections, verify it’s legitimate and collectible to avoid scams or zombie debt. You ...

Need answers fast? Here's how to find out what debt collectors you owe and take action to protect your credit score and peace of mind.

The Rise in Consumer Complaints Against Debt Collection Tactics. Over the past few years, consumers across the United States ...

But it’s also important to make sure you’re dealing with a legitimate debt collection company ... they asked the debt collector for a debt validation letter to prove that they own the debt ...

The Consumer Financial Protection Bureau (CFPB) offers templates for these letters on their website. Request specific documentation, including: The Fair Debt Collection Practices Act (FDCPA ...

To best protect yourself, research the debt and request a debt validation letter ... has sample letters on its website. If a zombie-debt collector violates the FDCPA by harassing or threatening ...

Phone calls, threatening letters and other high-pressure tactics ... that can be used to navigate the tricky landscape of debt collection. The Fair Debt Collection Practices Act (FDCPA) gives ...

ask the creditor for a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) requires the debt collection agency to provide you with written proof of the debt’s validity or a ...

Scammers use texts, calls, emails and letters to create a false sense of urgency about debt repayment. Always ask for detailed information about the debt and the debt collector’s contact details ...

Debt collection scams abound ... with information about the debt they're trying to collect, including: Validation letters may be sent by regular mail or email. If a debt collector doesn't supply ...