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#UBER RECEIPTS IN WRONG LANGUAGE VERIFICATION#

If you don’t dispute the debt within 30 days of getting the validation information, the debt collector will assume the debt is legitimate. Keep a copy of the letter for your records. Consider sending your letter by certified mail and requesting a return receipt to show that the collector got it.

#UBER RECEIPTS IN WRONG LANGUAGE VERIFICATION#

Once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe. Make sure to send the dispute letter within 30 days. Say you don’t owe some or all of the money, and ask for verification of the debt. Once you get the validation information (see What does the debt collector have to tell me about the debt), if you still don’t recognize a debt, or don’t think the debt is yours, send the debt collector a dispute letter. A collection company can contact other people to find out your address, your home phone number, and where you work, but usually it can’t contact them more than once, and it can never tell them you owe a debt. If you’ve told the collector an attorney is representing you, the collector must contact the attorney. Generally, a debt collector can’t discuss your debt with anyone but you or your spouse. To avoid debt collection scammers, don’t share your personal or financial information until you’ve gotten validation information or are already familiar with the collector.Ĭan a debt collector contact anyone else about my debt? That way, you might be able to confirm whether it’s really yours or find out more about the amount owed. The collector must communicate with your attorney, not you, unless the attorney doesn’t respond to the collector’s communications within a reasonable time.īut consider talking to the collector at least once, especially if you don’t think you owe the debt or can’t repay it immediately. If an attorney is representing you, tell the collector. Once the collection company gets your letter, it can only contact you to confirm it will stop contacting you in the future or to tell you it plans to take a specific action, like filing a lawsuit. Consider sending the letter by certified mail and paying for a “return receipt.” That way, you’ll have a record the collector got it. Mail a letter to the collection company and ask it to stop contacting you. How do I stop a debt collector from contacting me?

your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector.

what to do if you don’t think it’s your debt.

how much money you owe, written out to include interest, fees, payments, and credits.

The collector has to include the following What does the debt collector have to tell me about the debt?Ī collector has to give you “validation information” about the debt either when they first communicate with you or within five days of the first contact. How are debt collectors allowed to contact me?ĭebt collectors can call you, contact you by private message on social media, or send letters, emails, or text messages to collect a debt.

can’t privately message you on social media if you ask them to stop.

can’t call you more than seven times within a seven-day period or within seven days after talking with you by phone about a particular debt.

can’t contact you by email or text message if you ask them to stop.

can’t contact you at work if you tell them you’re not allowed to get calls there.

There are also ways to stop a debt collector from contacting you (see: How do I stop a debt collector from contacting me?) The law limits how and when a debt collector can contact you about covered debts. Īre debt collectors allowed to contact me at any time or place? Business debts are not covered by the FDCPA. You have important rights under the FDCPA for your credit card debt, car loans, medical bills, student loans, mortgage, and other household debts. What types of debts are covered under the law?

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