On the off chance that you are uncertain of a debt that an authority has reached you about the main thing you should do is send a debt validation letter to the collection agency that is always calling you. The reason for the letter is to ensure the collection organization has rights to gather cash from you in any case.
Assume you paid the debt authority. Later not far off, the first creditor calls you and says regardless you owe the cash that you paid the creditor since they were not identified with the collection agency in any case.
This is the place debt validation kicks in. As indicated by the Fair Debt Collections hones act you have a privilege to influence an agency to approve a debt. The reason for this demonstration is to secure buyers that always manage collection agencies. You have 30 days from the day you first converse with a debt gatherer to send a validation letter. On the off chance that you don't do this your rights won't be ensured.
The following is an example of a suitable validation letter to send to a collections agency.
Smyth and Proctor Collection Agency
200 East 45rd Street Baltimore, MD 21250
To Whom It May Concern,
My name is First Last. I am keeping in touch with you since I was as of late reached from this organization about a debt that your organization claims I owe. This isn't a refusal to pay yet I don't review regularly having working with this organization and I am unverifiable in the event that you can lawfully gather monies from me for this debt.
The reasonable debt collection hones act, 15 USC 1692g Sec. 809 states that I have am permitted to question this debt. I have practiced this right. I am, accordingly, practicing this all right as I lawfully can.
On that note I am asking for that you send me these reports as verification of the debt: the name and address of the first creditor, how you ascertained the sum you say I owe you, and the permit that you are legitimately ready to work in my state.
I am mindful of my rights under the reasonable debt collection hones act which expresses that you can't endeavor to gather the debt from me until the point that you approve this debt. I am likewise mindful you're your organization isn't permitted to put negative/slanderous/misdirecting data on my credit report. On the off chance that I discover that you have disregarded this correct I will call my legal counselor and make lawful move.
In the event that I don't get a reaction about this issue in 30 days you never again have a privilege to endeavor to gather a debt. You are likewise not permitted to speak with my mate, legal advisor, or anybody I have associations with; this is the law please regard my lawful rights.
Starting now and into the foreseeable future you are just to get in touch with me in composing at the address on this letter. The motivation behind this letter was to inspire you to settle your records for a record that I am legitimately debating.
To begin with Last