FTC / FDCPA – What if I don’t think I owe the debt?

Compliance > FDCPA
Q:  What if I don’t think I owe the debt?
 
A:  You can send a debt collector a letter saying you don’t owe any or all of the money, or asking for verification of the debt. If you send the letter within 30 days of getting the validation notice, the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. You also can get a collector to stop contacting you, at any time, by sending a letter by mail asking for contact to stop.
 
 
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.  This Q&A was obtained from Federal Trade Commission’s Debt Collection FAQs which may be found here:  https://www.consumer.ftc.gov/articles/debt-collection-faqs

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