By federal law, a debt collector must send you a written validation notice within five days of their first communication with you. While mailroom errors happen, failing to send this notice is often a calculated tactic and a documentable FDCPA violation. Missing this notice means your 30-day window to dispute the debt never legally started, … Read more
A debt collector leaving a voicemail is bound by strict federal rules regarding what they must say and what they must keep secret. Every standard collection voicemail must include the “Mini-Miranda” disclosure, stating that the call is an attempt to collect a debt. If a collector leaves a detailed message and a third party hears … Read more
A debt collector is legally permitted to call your workplace under federal law, but they must follow extremely strict rules regarding what they can say. Their primary goal in calling your job is rarely just to find you. It is a calculated tactic designed to use social pressure and the fear of your employer finding … Read more