Get It In Writing
Whenever you are contacted by a third party about a debt it is essential that you request information in writing that indicates the actual debt owed. This information must be delivered within 5 days of the request. This notice should include vital information including the amount owed and the creditor that the debt is owed to.
You should also be given instructions that detail your options if you feel the debt is not owed. Instead of calling, it is best to ask for a written request that you can review for accuracy. Debt collection is a tedious process and this is simply the first step. Whenever you request this verification information you should always send it through verified mail. This will ensure that the recipient can’t deny receiving the written notice.
Keep Records
When dealing with the debt collection process it is really important to keep records of everything. This includes all information sent to you in the mail about a given debt, but also all phone calls that take place with a debt collector. This will ensure that you will always have access to the records you need to substantiate any claims that are made. Be sure to track the dates of all phone conversations and even keep track of the name of the person that you are speaking with. The more information that you have will only benefit you in the future.
Why Does It Matter?
There are guidelines and restrictions in place when it comes to debt collection tactics. This means that the paper trail and records that you are keeping will come in handy and be necessary if it turns out that the debt collector you are dealing with breaks the law in any capacity. Remember that even if you owe a debt you still have rights.
Marcadis Singer, PA
Florida Collection Attorney
5104 South Westshore Blvd.
Tampa, Florida 33611
info @ marcadislaw.com
(888) 547-1881
(813) 288-1881
New Clients
Ext. 247 Gil Singer
Ext. 240 Ralph Marcadis
Existing Client Client Liaison
Ext. 242
To Pay a Claim
Ext. 245
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