{"id":161,"date":"2018-02-23T12:00:00","date_gmt":"2018-02-23T12:00:00","guid":{"rendered":"http:\/\/www.consumerslaw.com\/blog\/do-you-actually-owe-debt\/"},"modified":"2020-03-15T17:32:54","modified_gmt":"2020-03-15T17:32:54","slug":"do-you-actually-owe-debt","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/do-you-actually-owe-debt\/","title":{"rendered":"Do You Actually Owe a Debt?"},"content":{"rendered":"

When a debt collector contacts you to collect payment on an account, it can be scary and overwhelming, especially if the debt in question is unfamiliar to you. Collectors may contact you from an agency you\u2019ve never heard of, and some may even threaten legal action against you.<\/p>\n

It\u2019s possible that you don\u2019t recognize the debt because the original creditor assigned it to a collection agency or sold it to a debt buyer. Collection lawyers<\/a>\u00a0may also try to collect on debts in certain situations. However, it\u2019s also possible that you don\u2019t recognize the debt because you don\u2019t owe it.<\/p>\n

What to do when you\u2019re contacted by a debt collector<\/h2>\n

Whenever you receive any debt collection contact, the collector is required to mail a letter within five days that tells you the amount of the debt and the original creditor. This letter should also explain your rights under the Fair Debt Collection Practices Act (FDCPA)<\/a>. If you don\u2019t receive this letter, it could be a sign that the collector may not be legitimate.<\/p>\n

If you receive this letter and still don\u2019t recognize the debt, write to the collector and\u00a0request proof of the debt and how they’ve calculated the amount claimed. If you have proof the debt was paid, include these documents with your dispute letter.\u00a0 Always keep a copy of any correspondence with the collector.<\/p>\n

Seek Free Legal Help<\/h2>\n

Flitter Milz is a nationally recognized consumer protection law firm that represents victims of abusive collection contact.\u00a0 Contact<\/strong> Us<\/a> for a free legal evaluation of collection calls or letters that have been sent to you.<\/p>\n","protected":false},"excerpt":{"rendered":"

When a debt collector contacts you to collect payment on an account, it can be scary and overwhelming, especially if the debt in question is unfamiliar to you. Collectors may contact you from an agency you\u2019ve never heard of, and some may even threaten legal action against you. It\u2019s possible that you don\u2019t recognize the … <\/p>\n

Continue reading Do You Actually Owe a Debt?<\/span> →<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[41,40],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/161"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=161"}],"version-history":[{"count":8,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/161\/revisions"}],"predecessor-version":[{"id":1804,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/161\/revisions\/1804"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}