Whether its a call without a voicemail or a simple letter... even carrier pigeon. The first communication you receive from a debt collector triggers rights you can exercise. Generally, collection efforts begin with a call followed by a collection letter five (5) days later. If property drafted, the first collection letter states the nature of the debt, and informs you of the Thirty (30) Day Debt Validation period. (15 U.S. Code § 1692g). The validation period gives you the ri

There are many tactics employed by debt collectors to get you to pay as quickly as possible, even if you don't make an entire payment. This is because debt collectors work on a bonus structure based on fees collected. Among these tactics are threats to send your account to a "legal department" or "pre-legal collections." These threats should raise a red flag to call us immediately. The American Bar Association (ABA), which enforces rules and regulations governing lawyers, has