How to stop debt collector calls?

Many collection agencies rely on consumers not knowing their rights. Let’s make sure you understand consumer protection laws that can help you stop these annoying calls. Request debt validation immediately – You have the right to request written validation of the debt within 30 days of receiving the first written notice – Go to Fair Debt Collection Practices Act (FDCPA) to learn more about your rights!

What is a debt validation letter?

Debt validation letter is a statement that the communication is from a debt collector. You will need your name and mailing information, along with the name and mailing information of the debt collector, the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. As well as, the current amount of the debt when the notice is provided and any information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. This letter has an end date for a 30-day period when you can dispute the debt.