This debt collection toolbox will help you fight debt collectors. Knowing what your rights are and what they can and cannot do it of paramount importance in disputing and fighting creditors. First and foremost, DOCUMENT EVERYTHING.
Here is a sample phone script that can be used to catch debt collectors in FDCPA (Fair Debt Collection Practices Act) violations.
Here is a debt validation (FDCPA) flow chart to help you visualize the debt collection procedure you can follow to dispute your debt and sue for violations of FDCPA.
These are some frequently violated FDCPA Guidelines. This includes basic definitions, FDCPA guidelines on contacting third parties, prohibited communications, harassment or abuse, false or misleading representations in communications, unfair practices, 30-day validation notice and legal actions.
If you have creditors calling you on a frequent basis, you may consider getting a recorder to attach to your phone so you can record the phone calls from the collectors.
Here you can read about the Fair Credit Reporting Act (FCRA), a document prepared by the Federal Trade Commission (FTC) to help consumers understand what and how credit reporting is done, especially when it comes to debt collection.
If you have additional materials you believe would be helpful when dealing with debt collection, please contact us.