Term: debt collector
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How Can You Prove a Debt Isn’t Yours?

By Steven Shaw on 6/17/2014
How Does a Debt Collector Validate My Debt?Getting a letter from a debt collector can be disconcerting, especially if you were not aware of having debt. Your initial communication from the collector, called a demand letter, should contain information indicating how you can request more details. By law, you may request the debt collector validate the debt, and the collector must respond within five business days. (Requesting that is especially smart if you are worried that the debt collector is not legitimate; a legitimate collector will respond.) You can find more information about your rights from the Consumer Financial Protection Bureau.
Consumer Financial Protection Bureau
debt collector
National Association of Consumer Advocates