What are the three stages of the debt collection process?
Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and to who, as well as when you need to pay the debt.
If you're still uncertain about the debt you're being asked to pay, you can request a debt verification letter to get more information.How can a debt collector validate a debt?
One of the most rigorous rules in their favor is the 7-in-7 rule.
This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period.
Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt.What is the 7 in 7 rule?
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help.
As soon as you use the 11-word phrase “please cease and desist all calls and contact with me immediately” to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
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