What If A Debt Collector Is Attempting To Collect On Past Due Debt

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• Is It True That A Debt Collector Must Respond in 30 Days

  This is actually false. The 30-day requirement is placed on consumers. While a consumer must send a validation request within 30 days of the first collection letter that contains the 30-day notice, a debt collector can take as long as he chooses to ...

• Can Debt Collector Contact Others About One's Debt

  If one has an attorney, the FDCPA prohibits a debt collector from contacting anyone other than one's attorney. If one does not have an attorney, the debt collector may contact other people, but only for the purpose of finding out where one lives or ...

• Are Certain Original Creditors Harder to Delete The Debt Than Others?

  When the debt is held still by the original creditor and it hasn't been sold yet (e.g. 90 days past due), then the original creditor who servicing the debt can matter.  On the other hand, if the debt has been sold, then the original creditor does not ...

• What Practices Are Banned For Debt Collectors

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• How Is A Debt Collector Allowed to Contact Me

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