What If One Owes Multiple Debts
If the same debt collector is attempting to collect multiple debts, the debt collector must provide a separate notice for each debt. One must dispute each debt separately, and the collector must provide separate validation information for each one.
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Do Government or Court Debts (Judgements) Go Away
Anyone can "ask for validation" of a contract or judgement. A private contract like one has with a home contractor or any federal agency - that debt will need to be paid. The federal and state governments are considered sovereign and therefore debts ...
Will Personally Guaranteed Debts Risk My Personal Assets
If a debt is personally guaranteed then the creditor will sue one personally and for personal assets.
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 ...
Can One Stop Debt Collectors From Contacting and Calling
Yes. If one wants all debt collection contact to stop, and it is a debt collection agency rather than the original creditor who is contacting/calling, one has the right to request that they not contact the debtor again. This request must be in ...
What Practices Are Banned For Debt Collectors
Regarding harassing or abusive tactics, debt collectors may not: Use or threaten to use violence or criminal means to harm a person, their reputation or property; or Use obscene or profane language; or Advertise someone owes a debt; or Advertise a ...