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· Communicating Consumer Rights: Consumers have their rights which includes disputing the debt itself. Debt collectors must communicate this to the consumer.
· Verification of the Debt: Once the consumer’s been contacted, the collector must provide a notice saying the consumer has the right to request debt validation/proof of the debt. If the request for debt verification is received, the collector needs to provide the consumer with proof in the form of a receipt, or a detailed record of the overdue debt.
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text#805
Debt Collectors will often tell you, “We already sent you paperwork.” Or “We do not have to send you paperwork.”
If you feel that a debt collector has violated your rights as a consumer under the Fair Debt Collections Practices Act, Get FREE LEGAL HELP from Legal Rights Advocates! Contact us at (855) 254-7841 as well as our website:
https://www.bbb.org/us/ma/lawrence/profile/litigation-lawyer/legal-rights-advocates-0021-136487
