Know Your Rights: What to Do When a Debt Collector Calls

Understanding Debt Collection Rights

• 📌 Nearly 71 million Americans have debts in collections, making it crucial to understand your consumer bill of rights.
• ⏰ By law, debt collectors cannot call you before 8 AM or after 9 PM, but they can contact you via social media.

Steps to Take When Contacted

• 📝 Ask for validation of the debt in writing to confirm if you truly owe the money.
• ⚠️ Do not make promises you cannot keep, as even a small payment can restart collection efforts and the statute of limitations.
• 📞 Before paying, request the collector's name, company, phone number, and mailing address; a refusal may indicate a scam.

Debt Validation and Dispute Process

• 📬 Within five days of the initial call, collection agencies must send a validation letter detailing the debt amount and original creditor information.
• ✉️ You have 30 days from receiving the validation letter to dispute the debt by mail.
• 📄 If you have already paid, send proof of payment via certified mail.

Seeking Professional Help and Avoiding Scams

• 🤝 If you've settled a debt but are still being pursued or sued, it's recommended to reach out to a professional who understands debt and creditor laws.
• 🚫 Never cave to demands to wire money, use services like Zelle or Venmo, or buy gift cards immediately; these are common scam tactics.