![]() By law, debt collectors must stop calling you if you ask them to in writing. You can use this sample letter to write a letter demanding the debt collector stop contacting you. If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Opening new credit card or checking accountsĬontact your creditor.Scam artists, like fake debt collectors, can use your information to commit identity theft such as: Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. ĭo not give the caller personal financial or other sensitive information. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office. You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. A description of certain rights under the federal Fair Debt Collection Practices Act.Tell the caller that you refuse to discuss any debt until you get a written "validation notice." If the caller refuses or is unable to provide you with information about the company, or if you can’t verify the information provided, do not give information or money to the caller or company. Your state regulator may be of assistance if your state licenses debt collectors. Check the information the caller provides you with your state attorney general. Many states require debt collectors to be licensed. If you think that a call may be a scam or a fake debt collector:Īsk the caller for a name, company, street address, telephone number, and professional license number. You should never provide anyone with your personal financial information unless you are sure they're legitimate. ![]() The debt collector asks you for sensitive personal financial information.The debt collector refuses to give you a mailing address or phone number.Ask for an explanation in writing before you pay. You can use this sample letter to request more information. You have certain rights to ask a debt collector about the debt, including when you don't believe you owe the debt. The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize.Legitimate debt collectors should not claim that they'll have you arrested. The debt collector threatens you with criminal charges.Here are a few warning signs that could signal a debt collection scam: ![]()
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