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Stop Debt Collectors from Harassing You First and foremost! I would never talk to a debt collector over the phone. Your “Rights” are never served over the phone. I used to tell them, “Send it in writing!” and then I would hang up. If you allow them to talk to you, many of the third
What if I get a call or a letter from the collection agency? First, never speak with a debt collector over the phone. Your rights are never served on a phone call. You want the collection agency to validate and prove that it really is your alleged debt. You’ll want to send them a debt validation letter
Each State has a time limit associated with each type of debt. In other words a collector can only legally go after an alleged debt for a specified amount of time. Many third party debt collectors will try to collect on old outdated or time barred debt. The chart below lists the time limits. Open
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