Debt collection notices
Collectors
Collector letters often combine a payment request with a short rights notice. This section separates those two parts. It covers validation information, the written dispute period, and debts you do not recognize. The guides explain what to save, what to request, and why a validation response may be narrower than advertisements suggest. A dispute does not erase a debt. A collector may also use other lawful steps after responding. Use the exact date on your notice, keep copies, and get legal help quickly if a court paper arrives.
Live guides
A collector contacted me about a debt I do not recognizeHow to verify the collector, request written information, and check whether the debt or identity is yours.This notice from Portfolio Recovery — debt validationWhat the validation notice means, how the 30-day period works, and what verification may contain.