The law prohibits debt collectors from using abusive, unfair or deceptive practices to collect debts from you, including misrepresenting the nature of the debt, falsely claiming that the person contactin you is an attorney, threateing to have you arrested or imprisoned if you don’t pay, falsely claiming to garnish or seize your wages, bank account, … Read More
WHAT INFORMATION MUST A DEBT COLLECTOR GIVE YOU IF YOU DISPUTE A DEBT?
They must validate the debtor by including the name of the creditor, the amount owed, that you can dispute the debt and if you don’t dispute the debt without 30 days the debt collector will assume the debt is valid, that if you dispute the debt in writing within 30 days the debt collector will … Read More
WHAT CAN I DO IF A DEBT COLLECTOR CONTACTS ME ABOUT A DEBT I ALREADY PAID OR I DON’T THINK I OWE?
If a debt collector contacts you about a debt you may or may not owe, don’t ignore or avoid a debt collector. Debt collectors are, in general, required by law to tell you certain information about the debt. This is known as validation information or a validation notice. This can help you learn more about … Read More
CAN A DEBTOR COLLECTOR TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY?
Debt collectors cannot try to collect on debts that were discharged in bankruptcy. If you file for bankruptcy, debt collectors are not allowed to continue collection activities while the bankruptcy case is pending. If a debt collector calls and you have filed for bankruptcy, tell the debt collector and your attorney. Once the debt is … Read More
STUDENT LOANS RESTARTING
Student loan interest on Federal student loans will resume starting on September, 1, 2023 and payments will be due starting in October. The Department of Education will notify borrowers before the payments restart and will be in direct communication with borrowers and student loan servicers. If you are on an IDR plan, your payment should … Read More
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