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Submitted by: Mary & Gerri

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Denise, You may be surprised at how many instances there are where debt collectors do not follow the law. To answer your specific question, they would likely have to demonstrate that they sent you the required notice, and that it met the requirements of the FDCPA. If you think the debt collector did not send you the notice describing your right to dispute the debt, you can do one of two things: you can file a complaint with the Federal Trade Commission (FTC) and your state attorney general, or you can talk with a consumer law attorney who will help you figure out whether the debt collector broke the law. If you simply file a complaint, then the agencies to whom you complain will not likely act unless there is a pattern of complaints against the company. But if you talk with a consumer law attorney, it may help you resolve the problem you are having with this collector. You can call a consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5143 to talk with an attorney in your state. It is free and confidential. We hope this helps!

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