A few months ago, you sent a certified letter to a debt collector and requested verification of a debt the collector says you owe. You know the letter was received by the collector but you have received no response to your request. Today, you received a letter threatening court action. What should you do?

Question

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By law, debt collectors are required to validate a debt when a consumer requests it in writing. The fact that the collector received your letter but did not respond is a violation of the Fair Debt Collection Practices Act (FDCPA). You can write another letter to the collector demanding that they cease communications until they have provided the requested verification. If they continue to threaten legal action, they may be in violation of the FDCPA and you may want to speak with an attorney. It is important to protect your rights as a consumer and not be intimidated by debt collectors.

A Few Months Ago, You Sent a Certified Letter to a Debt