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Why do you need help with credit repair?

If I dispute a debt that is being collected, can a debt collector still try to collect the debt from me?

12/4/2017

1 Comment

 
1 Comment
Mike Lee
12/4/2017 09:15:39 pm

No, if you dispute the debt in writing within 30 days of the initial communication the debt collector must stop all collection activity until it provides the required verification.

Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt. That information must include:

The name of the creditor
The amount owed
That you can dispute the debt and that if you don’t dispute the debt within 30 days the debt collector will assume the debt is valid
That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt
That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information
If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you.

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  • Home
  • Contact
  • Services
    • Student Loan Options
    • Judgment Removal
    • Tax Lien Removal
    • Charge Off Removal
    • Collection Deletion
    • Credit Deletion
    • Opt Out Pre Screen
    • Chexsystems
    • Dispute Code Removal
    • Late Payment Removal
  • DEBT VALIDATION
    • Fair Credit Billing Act
    • Medical Debt
    • Student Loan Debt
    • F D C P A
    • Mortgage Debt
    • Installment Debt
    • Debt Options
    • The Fair and Accurate Credit Transactions Act
    • Fair Credit Reporting Act
  • Credit Repair
    • Time Lines
    • How Are Late Payments Affecting Your Score
    • Credit Score >
      • The Major Credit Reporting Agencies
    • Collection account removal
    • Clean Up Your Credit Report
    • How Long Do Items Stay On Your Credit Report
    • Ways to Improve Your Credit Score
    • Dispute Credit Report Error
    • How to Fix Your Credit
    • How to Remove Collection Accounts From Your Credit Reports
    • how to fix errors on credit reports
    • Eviction on your credit report
    • Credit Inquiry
    • Your credit report account mix
  • Make a Change
  • Credit Tips
  • Credit Coach
  • Fraudulent Credit Accounts
  • Negative Info Stays On Credit Reports
  • Debt Settlement Companies
  • Credit Score Boost
  • Establishing Good Credit Habits
  • Getting Your First Credit Card
  • HOW IMPORTANT IS A CREDIT CARD
  • How Many Credit Cards Should You Have
  • FAQS
    • Faqs2
  • National Lenders
  • Credit Card Companies
  • Free
  • How credit repair works