About 'debt collection forms'|10 Things to Know When Payday Loan Lender Debt Goes to Collections
notice, creditors, legal, document 3 Scams are everywhere and people in debt are prime target for victimization. If you receive a notice from creditors, before proceeding make sure you take these steps to determine if the notice is a legal document. 1 2293 Read through the entire notice. Make sure that the debt is real, and that you remember incurring this debt.; Evaluate the notice for authenticity. If your notice is from a law firm, confirm that the law firm exists. You can do this by contacting them and asking for their license number. You can then use this number to check their business status out with the state that they are licensed in.; Contact the debt collector to try and correct the error if you do not owe the debt, determine if the company is legitimate or fraudulent if you do not owe the debt, or to discuss the legitimacy of the notice and what options you have available if you do owe the debt and the company is legitimate.; Contact the company where the debt was incurred to see what debt collector they use to verify the legitimacy of the debt collector's notice.; Contact the Better Business Bureau or your local authorities to see if complaints have been made about the company that sent you the letter. This is especially important if you think that you have been targeted for a scam.; Talk to your lawyer, or contact a local free legal service, to see if your notice is a legal document. You can find legal forms online, which you can use to verify the legitimacy of your notice.; Don't be afraid to question the legitimacy of any notice that you receive in the mail, especially if you are unfamiliar with the creditor or the debt.; It is illegal for creditors to mislead you with notices or false legal documents. Don't ignore a notice from a creditor, whether it is legitimate or illegitimate, as this may make the situation worse. The Fair Debt Collection Practices Act has information about what creditors can and cannot do. It is located at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#811.; The Better Business Bureau can be found at http://www.bbb.org. |
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