Whenever a debt collector contacts you for the first time, the debt collector must (if they have not given you this information in their first communication with you) notify you in writing that they are collecting a debt and any information obtained will be used for that purpose.
The debt collectors must also notify you:
- For whom they are collecting the debt;
- The balance owed
- That you have the right to dispute the debt;
- That you may seek validation by making a written demand for validation within 30 days of receiving their collection letter;
- That you have the right to know the name of the original creditor.
What do you do or how do you respond to such a debt collection letter? Click here for sample response letters.