Dealing with collection agencies can be stressful, but understanding your rights can empower you. Did you know collection agencies have a legal obligation to provide you with specific information? It's true!
First, within five days of initial contact, they *must* send you a written notice. This notice *must* include the amount of the debt, the name of the creditor, and your right to dispute the debt.
Crucially, they need to provide verification of the debt if you request it in writing within 30 days. This verification should include documentation proving you owe the debt.
Finally, they must inform you of your right to dispute the debt and how to do so. Don't be afraid to exercise your rights! Knowing what information they *must* provide helps you ensure the debt is legitimate and prevents unfair collection practices. Stand your ground and demand the information you're entitled to!
