We Stop Abusive and Harassing Debt Collectors
© 2010 MinCal Consumer Law GroupMinnesota & California888-678-5550
Q: Can the caller (debt collector) lie to me?
A: A debt collector has to be truthful with you and cannot misrepresent facts tocollect a debt. The debt collector may not falsely represent himself or herself as alawyer, or as a governmental agent, or make the false representation that he orshe is a consumer reporting agency, or make other fraudulent statements. Wesuggest you download our free collection log and keep track of all the calls andstatements made to you at http://www.mincal.com/images/debt_log.pdf .
Q: Is a debt collector required to send me anything in writing?
A: After the initial contact by a debt collector to collect an alleged debt, the debtcollector is obligated to send you a written notice within 5 days to notify you of your rights, if the initial written contact fails to state those rights. In some states,such as California, this requirement also applies to original creditors. Many debtcollectors fail to send this notice, but if you do receive one, make sure you giveyour consumer attorney a call to see if the letter violates any of your rights. Keepevery letter, including envelopes you receive from debt collectors. Any noticesfrom them must comply with federal and state laws. Feel free to give our lawyersa call at 888-678-5550 to discuss your rights and whether they were violated.
should I do if I’m sued?
A: Do not ignore this. You should seek immediate legal advice. Many debtors,including you, may have defenses to these lawsuits and many creditors assume,and count on the fact that consumers may ignore the lawsuit and loose bydefault. You should get immediate legal representation to fight for you, as youmay not owe the amount you are being sued for.