What Should I do if a Debt Collector Calls Me?
You will often get a call from a debt collector or an automated message requesting you to return its call. When you speak to a debt collector it is very important to note who is calling you. The debt collector may be using an alias name so find out the name of the debt collection agency he/she works for. By law, he/she must reveal the name of the agency. You should write down as much of the conversation as you possibly can. Also, find out the address of the debt collection agency. Tell the debt collector that you expect a letter outlining:
- Amount of Debt
- Name of Creditor to Whom Debt is Owed
- Notification of Right to Dispute within 30 Days, Right to Have Verification/Judgment Mailed to Consumer
- Name and Address of Original Creditor if Different from Current Creditor.
If you experience any type of debt collector harassment, call a Buffalo Creditor Harassment attorney at 716-831-1111.
This notice is required by the FDCPA law and is referred to as a G notice.