What Should I Do If I Get a Collection Letter?
- Amber Melari
- Nov 16, 2022
- 1 min read
If you have received a collection letter, you should take the necessary steps to stop the process as soon as possible. The first step is to determine who sent the letter and how much you owe. If it is from a business entity, you should try to contact them and get them to verify the information on the letter. If this is not possible, you should call a lawyer.
The next step is to contact the original creditor and find out what the amount of the debt is. If it is from a medical provider, for example, you may not be sure if you owe the debt. It is also important to find out whether or not the debt has been reported to the credit bureaus. If it hasn't, you may want to try paying the debt instead.
If you are able to afford it, you may want to send a letter to the collector informing them that you no longer owe the debt and that you don't want to be contacted by the agency. You should also insist that all correspondence be in writing. If you are contacted by phone, don't give personal information to someone you don't know. Debt collectors are allowed to contact you by phone only if they're legally required to.
You can also ask for a validation letter to ensure the debt collector is legitimate. If the collection agency is claiming to be a legitimate business, it may be a fraudulent entity. In some cases, the agency may not even know who you are, or the amount of the debt.
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