When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Before a debt collector can pursue you for a debt, they are generally required to first send you a debt validation letter. This ...

Say you are sitting around on a Sunday evening, getting ready to watch a professional football game on television, when the phone rings. It’s a debt collector, calling to demand payment of a debt you ...

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name}, ...

Receiving a call from a debt collector can be jarring, but you need to remain calm and make sure you’re not on the hook for an IOU you don’t actually owe. Unfortunately, it’s not altogether rare to be ...

When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...

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