How do I dispute a wrongful debt collection?

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you’re having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

What to say when you are disputing a collection?

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request that the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been …

What are the strangest collections on the web?

In addition to airplane air sickness bags, the website also has a collection of bus sickness, sea sickness, and even space sickness bags! Though most are underwhelming in terms of design, some are actually quite artistic.

Is there a right to refuse information to a collection agency?

Many people do not realize they have the right to refuse information to a collection agency. There are also several other rights that you have when dealing with debt collection calls. The Fair Debt Collection Practices Act was passed in 1977. It protects all consumers from unethical debt collection practices.

What’s the best way to deal with a collection agency?

The best way to deal with this situation is: Explain that this isn’t a good time to discuss the issue. Request a phone number to call back or request that they call back in a couple of days. Ask for the name of the collection agency. Request the name of the debt collector who called you.

Is it illegal for a debt collector to use unfair practices?

The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. This opens in a new window.