When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Before a debt collector can pursue you for a debt, they are generally required to first send you a debt validation letter. This ...

Debt validation letters help you determine that a debt actually belongs to you. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take ...

Have you ever received a call from a collection agency or debt collector? While this can be quite alarming at first, it’s important to stay calm. Check Out: You Can Get These 3 Debts Canceled Forever ...

Say you are sitting around on a Sunday evening, getting ready to watch a professional football game on television, when the phone rings. It’s a debt collector, calling to demand payment of a debt you ...

A debt collection agency did not violate § 1692g(b)’s 30-day validation period by sending two letters demanding payment and offering settlement terms during that period, a district court in Illinois ...

In Paul v. Enhanced Recovery Company, the plaintiff received two letters from a debt collector concerning the same debt, about 40 days apart. The letters were identical, except for the dates and the ...

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name}, ...

Receiving a call from a debt collector can be jarring, but you need to remain calm and make sure you’re not on the hook for an IOU you don’t actually owe. Unfortunately, it’s not altogether rare to be ...

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